Option 4: levy existing tools such as gpg and git using something like pass. That way, you are keeping things simple but it requires more technical knowledge. Depending on your threat model, you may want to invest in a hardware security key such as a yubikey which works well with both gpg and ssh.
Why use tools not meant for password management, when alternative tools explicitly meant for password management, which have similar levels of security, work just fine?
You’re essentially saying “instead of driving down the road, I like to ride my bike with rollerblades.”
I have a set up like this (age, passage, & git). Bitwarden's browser integration works just fine, for the most part. The thing is, some of my passwords are not browser-based, and I spend large amounts of time in the terminal. Using a CLI-tool in this case lets me save a bit of time
It is just how I prefer to do my computing. I tend to live on the command line and pipe programs together to get complex behavior. If you don't like that, then my approach is not for you and that's fine. As for your analogy, I see it more as "instead of driving down the road in a car, I like to put my own car together using prefabs".