Nah, I’m with you, except I use BitWarden.
There are somethings either worth paying someone else to host, or where you trust a 3rd party more than you’re own setup. I realize other users may feel different, but ultimately it’s a judgement call
BW has been a pretty great opensource company, and it’s worth my $10/yr for premium.
Not everyone has a safety deposit box, or the ability to access a proper and secure off-site storage.
And if you’re just keeping those in your house, then fire, flood, and other incidents can destroy all copies at once.