For some people it is that easy.
When it is saved to a cross-platform password manager, it is secured on all devices that password manager runs on including your computer on other operating systems. You can also choose other in the OS prompt & redirect to a device with your passkey or use a hardware security key (I don't). If your preferred password manager isn't the primary one on all your devices, then fix that or use the other option mentioned before.
How would a non-techie figure this shit out?
The same way they figure out passwords & multifactor. Their pain isn't ours for those who've figured this out & have a smooth experience.