Well, I'm talking from a non-developer perspective. I don't use Git daily, so I had to stand up my own Git instance or pay Github for a private repo.
PassFF works well for Firefox on my Mac, but no equivalent for Windows. If you're willing to forgo browser integration then that's less of an issue.
Lack of browser integration might also be less of an issue in Linux with dmenu or rofi plugins like others have mentioned, but that still doesn't solve Windows issues.
I had considered the Bash/Ubuntu/Windows option (instead of qtpass) but haven't tried it yet.
I use a 'remote' repo in Dropbox (and I use git-remote-gcrypt so that the remote repo is fully encrypted, i.e. even file and directory names), so you don't strictly need your own server.
PassFF works well for Firefox on my Mac, but no equivalent for Windows. If you're willing to forgo browser integration then that's less of an issue.
Lack of browser integration might also be less of an issue in Linux with dmenu or rofi plugins like others have mentioned, but that still doesn't solve Windows issues.
I had considered the Bash/Ubuntu/Windows option (instead of qtpass) but haven't tried it yet.