I have memorized my master password. I have written it down in a couple of books as well. I never take those books out of home.
All my other passwords are in plain text files (encrypted with the master password) in my computer. It works fine. I don’t trust third party software to store my passwords, and anything open source doesn’t beat my plain text file tbh.
slwvx
I personally would not like the complexity of one Bitwarden account, two Authy accounts, and five email accounts! I wonder if your current desire to "go that extra distance" now would fade, and in the future the complexity of your proposed structure would lead to problems.
All my other passwords are in plain text files (encrypted with the master password) in my computer. It works fine. I don’t trust third party software to store my passwords, and anything open source doesn’t beat my plain text file tbh.