I've used Linux on desktop exclusively ~95-07. Switched to MacOS after that. Tried out mythical "Linux on the desktop" in 2018, was amused to find that iTerm2 has grown so much, and there's hard to find a good replacement for it under Linux. Of all the things I'd expect it to handle well... 8)
No idea how does it look like in other operating systems - especially under Linux which doesn't have THE keychain, it has keychains (ie. there's no common api to access a particular KDE/Gnome/etc implementation of it).
With keychain locked, Chrome asks for its password every time it needs to fetch a password - be it showing a list of them or pulling a password for particular site. It's done in a proper manner, and if you hand the keys to your house to that guy... well, you better trust them :)
I've used Linux on desktop exclusively ~95-07. Switched to MacOS after that. Tried out mythical "Linux on the desktop" in 2018, was amused to find that iTerm2 has grown so much, and there's hard to find a good replacement for it under Linux. Of all the things I'd expect it to handle well... 8)