I have a Macbook and an Android phone, as do many people. Can I still have a seamless experience with passkeys, or have they made that difficult? Do I need to

I have a Macbook and an Android phone, as do many people. Can I still have a seamless experience with passkeys, or have they made that difficult? Do I need to remember to reject the dialog offering to save keys on Keychain and learn to use a 3rd party passkey service? What am I supposed to about all the passkeys that will be needed at my multiple jobs, which I access from my own Macbook and phone? Can I use a single service, ideally open source, or do I need to use several "passkey sharing & backup managers", one for each entity and one more for my personal keys?