The experience is also junk if you're using a password manager, I have passkeys that I'm not sure if I saved to the OS manager or my password manager... mostly my fault but I enter passwords so many times a day it can be hard to stay on top of which UI I'm clicking yes in to store them.

Password managers are great IMO, I can use some absurdly long password, backup is reliable, I can use them across devices. For extra secure stuff 2FA works the same, I've got an app with codes I can easily back up and use from multiple devices.

Passkeys tend to obscure everything and take away a lot of control.