IMO MFA (or a passkey) is much more important. Most online accounts I have I couldn't give a rats ass if someone got in. (Not that they would because there would be no monetary value to them). Best to focus on those that are important and set MFA on them. If they don't offer MFA, find someone else who does. MFA + crappy password is better than strong PW w/o MFA, because even a PW manager can be leaked. This isn't to say you shouldn't care about secure PWs, but IMO it's the less important factor here.