Oh man, calling a password manager overkill is wild to me. It's like saying a lock on your front door is extra. My buddy had his bank account drained from a reused password on some dumb gaming forum. Remembering one master phrase is way easier than fifty different codes, or getting your stuff stolen.
Been there, done that, got the t-shirt (and the fraud alert texts). Used the same easy password on a few sites years back, and one of them got hacked. Took weeks to sort out the mess. Downloading a free password manager was the easiest fix ever. Now it makes all my crazy strong passwords and fills them in for me. It's just less stress.