In one sentence, you say, "just use a password manager", on the next, "not really an improvement if you need extra software". I'm not sure what argument you're having, but neither one really addresses what this article is about.
This keeps the passkeys in the password manager (I use dashlane, it rocks, and synchronises the passkeys just like the passwords), but this new protocol allows you to change and export the passkeys to other password managers, preventing vendor lock in and allowing for transfer to another password manager.
Hope this clarifies things! And everyone should use a password manager of some kind; we should expect whatever site we're using to be hacked, and the only way to be safe is to have a unique password per site.
You're using teams. Modern teams is built on Skype, which is why it's shit.