A personal password manager that works over SSH

It seems like the choices are:

a) a cloud-based password service (eg 1password) or

b) a local-storage password database (eg pass, KeePassXC)

My preference is not to store personal account details with an internet accessible third-party (but I can see the value in it for an organization).

And with the local solutions, it doesn't really seem pleasant to manage, use, synchronize and backup password databases across multiple machines. Also it seems like you're just one laptop disk dying away from possibly losing credentials.

To be clear I'm not suggesting anybody should use my hacky script - the article is meant to be more like: "well I don't love this, but here's how I do things".

Got another approach?