I don’t see it that way. I would rather have a browser based, one-off tool that can generate a .pkpass served up for local “installation”, not installing an app that is necessary to separately manage the passes separately and very well could be tracking its users.
What happens when they website goes away? The app I can save and use locally after the website is defunct.
MakePass is an app that creates independent/proper Wallet *.pkpass files. You can completely customise the pass appearance according to Apple’s specs.
(Not sure whether the current licensing offerings are worth it, though. I’ve got grandfathered in from before it had AI support.)
https://pvieito.com