What are your thoughts on password managers?

[mfc]

There is nothing ransom worthy I have on internet.

You live in the 21st century, and even if you don't have something now, you're bound to use the internet for lots of things soon. The greatest use of cloud storages in my opinion, especially if you've got a fast internet connection, is backups. And losing backups CAN be a very big deal.

As for changing a gmail's password (supposing gmail is what you use), check this out:
https://support.google.com/mail/answer/41078?hl=en

Knowing your phone number can never be more difficult than acquiring your passwords. Your phone number is a public id after all.

1) Don't store critical stuff on cloud. You have external hard drives for that.
2) No matter what century you are living in, don't leave embarrassing stuff on someone else's pc(cloud, internet)
3) It's not about knowing the phone number. It's about SMS verification. This means you need to physically steal my sim card from me in order to do anything.
4) If you really want to try, I PM'ed you my gmail account name and password. Try logging in, before planing to change the password lol.

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Edit: Also not to forget the password change process. It let's you recover the account by typing your previous password.
So, even if you changed the password, I would recover it by typing my password.
And nothing sneaky can be done because I get notifications for suspicious logins and critical stuff