I just tried because you made me doubt, but you can access your passwords offline with bitwarden. Your argument about trusting a third party is far more pertinent, i’m choosing to trust them but thats really my choice. It is also a limited trust: even in a case of a data breach, bitwarden is encrypted end-to-end with your password, even if someone gets access to your data they wont be able to read it without your master key.
I like it because i never took the time to setup neovim with plugins haha. Helix is a more out-of-the-box experience 👌