Slight tangent: My wife's place of work has recently instituted a minimum 16-character password rule with the standard complexity requirements. They also encourage the use of password management software, as well as enforcing password changes every 6 months.
Where I see a flaw in this is the initial login.
If you're not already on your computer to access the password manager, how do you retrieve the essentially non-memorisable password to unlock your computer in order to get to the password manager to retrieve the essentially non-memorisable password?
The password to unlock the computer, therefore, must be able to be remembered. This pretty much excludes 16-character auto-generated passwords for anyone but a savant.
Am I missing something obvious here? (MFA using an authenticator app on the phone? Is that something that Windows / Mac/ Linux supports?)
I've not met anyone who doesn't just increment a digit at the end every 6 months.
And any password length requirement beyond 8 always ends up being just a logical extension of 8 character password (like putting 1234 at the end), if 16 characters is required one would just type their standard password in twice.
If a any of the old passwords (potentially from unrelated applications) get leaked, it's almost trivial to guess current password.