I can not remember when I started using Password Safe. It has been a while - and I have yet to be disillusioned with it. My access password is a pain - and that is only for the passwords I store for bank, cards. Paypal, etc. Another database gets me to everyday sites that pose no financial risk - and that is a trivial access password.
I use the same database with Password Gorilla on Ubuntu. At this point I have not figured out how to get PG to open a network file - so I routinely copy the everyday sites to the Ubuntu store and I am good.

I have considered the disk on key approach - too inert to learn how to do it. Instead I keep the extra secure database on a USB drive that is only online when I need to use it.

There are probably other equally effective solutions out there - this is the one that I have learned to use - and I am pleased. Understand that this writer has also been with the same automobile insurance company for 49 years, so maybe I am not the most credible source. If it works and I am pleased I see no reason to change.