While using a password+ manager is a know must for sensible security, one nuisance (from an UX point of view) I encounter is that there are different password "tiers". Pretty obviously my e.g. file encryption and online banking access must be as secure as (reasonably) possible and it's okay having to enter a complex passphrase first since banking is a task worth 100% attention, done in a trustworthy environment only etc. But on the other end there's e.g. forums - services where authentication is sensible as well, but maybe used more often also in public environments. That is something in my mind not "worth" unlocking the entire password vault (also from a paranoid point of view), yet I don't want to reuse my "s~~h---y~~imple forum password" all the time. Thus there are different tiers of passwords, and I'm still not sure how to properly treat them. Possibilities are:

* Use a single password manager's vault anyway. Pro: simple, contra: more possible exposition of all sensitive data due to more often using the manger even for low-tier access, and due to the required security can become quite tedious
* use a password manager only for high-tier passphrases, and an insecure method for low-tier ones (though hopefully at least more thoughtful than pure reuse)
* use multiple vaults, so the high-tier one remains locked even when accessing the low-tier passwords. Not sure how well common password managers can cope with that, or at least I didn't find the proper term to search for

Are there other sensible solutions? Or am I overthinking this and shouldn't make a difference between those tiers at all period?