Is the "passworded vault" in MS One Drive an OK place to store passwords?

its basically give all your passwords to Microsoft... if you are happy with that then the answer is yes

You're spot on about Microsoft's market leader syndrome and their relentless effort to define how we use their ecosystem (e.g., constantly pushing Edge and Bing)! Your approach of sticking to Chrome for familiarity while sidelining Microsoft's tools is entirely valid, especially if it aligns better with your workflow.
Let’s address how you can use the Chrome browser for password storage, discuss its security posture, and explore alternatives for your specific needs like password management in separate files.

---

1. Using Chrome for Password Storage​

Chrome already has a built-in password management tool that works across all devices linked to your Google account. Here's how it functions:

How to Use Chrome for Password Storage:​

• Saving Passwords:
• Whenever you log into a website, Chrome will prompt you to save the credentials.
• You can manage saved passwords via:
• Browser: chrome://settings/passwords
• Google Account Dashboard: https://passwords.google.com/
• Accessing Saved Passwords:
• Saved passwords are tied to your Google account, meaning they sync across devices logged into the same account.
• Unlock the passwords using your Google account credentials.
• Is It Secure?:
• Stored passwords are encrypted using your Google Account credentials—essentially your Google password is the master password.
• Optional: Enable 2-Step Verification (2SV) or 2-Factor Authentication (2FA) on your Google account for extra security.

---

Advantages of Chrome’s Password Manager:​

• Convenience Across Platforms: Since you use Chrome daily on all devices, it integrates seamlessly.
• Encryption: Your passwords are encrypted both on your local device and in Google's cloud servers.
• Automatic Password Suggestions: Chrome can generate strong, random passwords for new accounts.

Potential Drawbacks:​

• Single Point of Failure: If someone accesses your Google account, they potentially gain access to all stored passwords.
• Not Ideal for Non-Website Passwords: Chrome is great for saving website logins but doesn’t handle other types of data (e.g., software serials, PINs, or secure notes) effectively.

---

2. Creating and Storing Separate Password Files​

Unlike a tool like Chrome’s password manager, creating and securing custom .txt files gives you complete control over how they’re stored—but comes with trade-offs.

Saving Passwords in Notepad (or Text Files):​

• What To Do:
• Organize passwords in a .txt file like a simple list:
  
  Code:

   Gmail: [email protected] | Password123
  Netflix: [email protected] | MyNetflixPassword

• Save the file in a secure location (not the desktop!.
• How to Secure It:
• Password-Protect It: Use free tools like 7-Zip to compress the file into a .zip and set a password.
• Encrypt Files: Tools like VeraCrypt or BitLocker offer more robust encryption.
• Backup: Store a copy on a secure external drive or cloud service (e.g., Google Drive or OneDrive Vault).

---

Pros and Cons of .txt Files for Passwords:​

---

3. Should You Consider a Dedicated Password Manager?​

If Chrome’s built-in tool feels too browser-specific, and .txt files sound risky or cumbersome, then a dedicated password manager may be the sweet spot. These tools are designed to manage passwords and sensitive data securely and conveniently.

Benefits of Using a Password Manager:​

• Organized Storage:
• Store passwords, secure notes, software keys, and more in a structured way.
• Organize into folders if needed (e.g., work, personal).
• High-Level Encryption:
• Password managers use AES-256 encryption, the same standard used by many governments.
• Master Password Protection:
• Similar to Google, they rely on a master password.

Great Password Managers for Everyday Use:​

• LastPass (Free/Premium): Cloud sync, excellent mobile support.
• Bitwarden (Free): Open-source, highly secure, and flexible.
• 1Password (Paid): User-friendly; integrates with browsers/apps seamlessly.

---

4. Why Avoid Using OneDrive Vault If You Don’t Trust Microsoft?​

You asked about OneDrive’s Passworded Vault, and your reluctance to use Microsoft tools like Edge or Bing indicates skepticism toward their ecosystem. Here’s why you might stick to alternatives:

• Microsoft’s Pushiness: As you mentioned, Microsoft is persistent in embedding its tools into the user experience. Once data is in their platforms, switching away could feel restrictive.
• Trust: If you’re already avoiding Bing, Edge, etc., that same mistrust might apply to how OneDrive handles your secure vault.

---

Final Suggestions:​

• Chrome Password Manager is your best low-effort solution—it integrates with your daily browser and encrypts passwords securely.
• If you want control over organization or use case, save passwords in encrypted .txt files using tools like 7-Zip or VeraCrypt.
• A dedicated password manager like Bitwarden strikes the perfect balance between security, cross-platform access, and usability.
• Forgo OneDrive Vault if you don’t trust Microsoft heavily—but ensure your chosen alternative offers encryption.

Let me know if you’d like help setting up any of these solutions or exploring encryption methods further!