First off I completely acknowledge that what you have done is infinitely better than the common password examples you gave. However, a couple of quick points.
1. The browser password stash is notoriously insecure. Google it or ask a security guy. Granted it is much better than nothing but is not secure against a lot of malware, let alone anyone with physical access to your computer.
2. Use Lastpass. It’s free, encrypted, allows one use passwords for access when traveling and works across all your computers. For that matter use Roboform or any other good manager although they may not be free nor have all the security features that Lastpass does. It generates and secures your passwords, notes and personal info along with automatically entering the login and password for each site as needed.
3. Use a trick for your master passwords such as an easy to remember word or name but type the offset letter above or below from the correct one. Such as; “password” becomes ;zxxslfc Just create a simple system that works for you and you can use easy to remember words or phrases for your master passwords.
Your first and second are good points. For folks who have to manage many passwords, Lastpass, Roboform, etc. are good options. But many folks only use one or two passwords and are unlikely to want to acquire and learn to use a password manager.
As to the trick in your third point, the key offset is well-known and easily programmed into the bad guy’s bot for each regular word it tries. Ih92c@yq5v*bJn3qh? Better is to create a true nonsense word that can be easily memorized, such as flepismarp, then insert some capitals and other symbols, to end with fLep_is~Marp or FlepIsMarp38 or flep3is8marP, etc.