Re: "Vendor insists passkeys are the future"
Your setup is similar to mine. If you're using it with discipline, password authentication through a password manager is pretty damn good. Discipline means at least:
a/ Generating long enough random passwords, including remembering to change the settings back after an ancient website insists on 14 characters or less with no special characters
b/ Never turning on autofill, as it makes you completely dependent on your password manager's heuristics against keyspill attacks
c/ Always validating you're not about to fill a key onto a website it doesn't relate to (e.g. subdomain controlled by a different party)
d/ Never copying and pasting passwords because a service's broken design means you need to enter them for a domain different to the one they were saved for
e/ Setting a short session timeout, and checking for USB keyloggers every time you enter your master password/unlock PIN
f/ Never using a known non-compromised endpoint, as that will compromise all of your secrets at once, not just active sessions
I wish I could say I consistently do all of these; if I'm honest I don't. These problems largely exist because we're trying to graft secure authentication onto non-standardised systems originally created for a thoroughly broken authentication model (manual entry of passwords stored in a person's head into webforms not designed for automation) and it is fragile.
Passkeys are a clean redesign from the ground up, using asymmetric cryptography, keys stored in trusted enclaves that are never visible to the OS even during signing, and an interaction model that eliminates phishing. They're supported by most major third party password managers as a new type of authentication if you want to share between devices, so in my opinion using them for sites that support them is a no brainer (and is what I do with Bitwarden). For the average user, who is using passwords really badly, passkeys are a *massive* step up.
The 6 digit unlock is not an issue because the authentication is local and to the trusted enclave, which can implement exponential timeouts or lockouts to resist brute force attacks. The scenario is more akin to online authorisation of high-value payments than offline attacks on passwords, and those use only 4 digits (though I'm happier with 6). The main problem with PINs is that they're entered through an untrusted interface (e.g. the touchscreen shared by a potentially compromised OS) rather than an interface used only for authentication and bound directly to the secure enclave (e.g. biometric sensors), but this is independent of the secret length.