I do like you said, small variations. Things get difficult once there are bizarre requirements, but then I just login by "forgot my password". Another commenter replied (s)he has over 400 credentials; I don't think I have even 100 let alone 400 logins.
Why is that the real question? The advantage of a password manager is you can default to max security with no more effort than poor security. Many of my accounts have changed over time, it’s not uncommon to add payment to a trial account, or for personal information to accumulate. There are plenty of good reasons to always use maximum security in order to lower your risk and prevent future accidents.
