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> more or less than having to go fire up their password manager and find the service from dozens of entries?

Definitely more. All good password managers are so well integrated that the username and password are pre-filled in most sites noawadays.

> Most people these days who understand password security have either developed a personal algorithm for deriving passwords, or use a password manager for literally everything.

Yep, passwords suck.

> This is the same workflow, but without having to use notepad to stage the new "password" for entry into the confirmation field.

Exactly. This just removes all pretense.

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