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IMO, it would be easier to use a more feature-complete password manager like Bitwarden.

Then all your non-technical family members can use it like a commercial app while you can Use the CLI or whatever open source tool you want to interact with it.

In my opinion, encryption inside git repositories is an anti-pattern that usually results in headaches.

You'd be better off with passage[0] -- it's a fork of pass but uses age for encryption. You can just make a directory hierarchy with appropriate .age-recipients files at the right levels.

[0]: https://github.com/FiloSottile/passage

I think the gopass pass alternative supports different keys for different folders. I haven't checked it in a while but that was the main reason why I was using it