As a result, I store very few accounts overall and checking out as "guest" hasn't been a problem of any sort. There's like 10 critical things that I feel the need to store the password on and they all use a hardware key for 2fa anyways.
For the two accounts that I absolutely can't lose access to, I just used the "Correct Horse Battery Staple" method and came up with two very long and secure passwords that I have no trouble remembering.