I don't see much reason not to self-host a properly built password manager like Vaultwarden or something similar? The clients keep a local encrypted copy of the vault, so the server only needs to be up for syncing. If it went down for a week, you probably wouldn't even notice unless you were saving new logins. And even if the server got hacked, everything on it is encrypted. Why do you think it should not be selfhosted?

you just listed all the reasons why you don't need to self host yourself

Thanks, on these topics I feel like I’m fucking crazy for not wanting to self host.

If you believe that the technology works, that encryption is happening and that the decryption is only happening on your local machine then why in the fuck would I host this myself?

You need to believe that it does not work when they do it, but does work when you do it.

I have not seen any evidence of that.