OP also asked what people are using. They're not mutually exclusive statements. I use 1Password and I don't pay a subscription. I pay them outright, per platfo

OP also asked what people are using. They're not mutually exclusive statements. I use 1Password and I don't pay a subscription. I pay them outright, per platform, and call it a day until they give me a reason to do something else. I've also set up other recently in similar patterns. If OP's only issue is the subscription, they may now be aware that there are non-subscription options.