Best password manager for Macbook Air

Dear Forum members

I'm new to mac, I have a Macbook Air running on High sierra. After some web search, I found that I can save passwords using Mac's native keychain. Is it ok to use keychain on High sierra ? if not ok, what else to use ? ...And if it is ok to use native Keychain, what are the do's and don't for additional safety.

I understand that if I loose the Macbook or loose my admin PW, a lot would be lost or probably all PW are lost. Other than these (loss of machine etc), what other loopholes ?

I have set each password entry to "ask before using" and now I'm manually and painfully setting all to ask admin PW before using specific PW entries

What else ?

PS : my keychain is NOT on iCloud. How to ensure that it does NOT get there accidentally

thanks in adv

best regards

Subu