That may be fine for those who are fairly technically proficient, but the average computer user would likely have a hard time setting up their own password vault.

For those folks (or anyone who doesn't want to be bothered setting up a server just to store your passwords) I think #KeePassXC is currently the best choice.

I would agree with you about #Bitwarden if only they would provide an easy way to set up a local database on the same machine that runs the Bitwarden program. The harder you make something to use, the fewer the people that will actually use it. Unfortunately that leads to people storing their passwords on a cloud server, which as we've seen can become a huge problem if that server gets hacked!