There are always trade offs. You do get better at things you do a lot. My mother won't use a password vault because copying and pasting is too much work for her. I'd just rather pay with my time and inconvenience than one day find out some python package I fiddled with for a late night project once means I need to call my bank.

SSH.

Doesn't even need to be command line, you can just open remote addresses in your favourite graphical file browser, at least under Linux.