"The cloud is just someone else's computer", so I guess if you trust bitwarden, that's cool. I hear that everything is encrypted before it's sent to their servers, but I prefer having everything done locally via KeePassXC.

Keepass is very good. Bitwarden just has a server side so it's easier to set up and use for multiple devices.

I've been using keepass for years. If someone gets a hold of the vault file, the passphrase could potentially be found.

Unless you do selfhost correctly, yeah you want to trust somebody else.