Passwords you can remember is a problem if you have multiple sites.
While I love XKCDs HorseBatteryStaplerOkay! strategy… that works well for 4-5 passwords, if you have 20+ passwords you’ll pretty much wind up re-using, and if it turns out one of the 20 sites had garbage protection and gets fully hacked, any sites you used the same is also going to be vulnerable.
Personally still gotta say go with keepass or bitwarden (selfhosted if possible).