Comment by SOLAR_FIELDS

Another more secure pattern: have different shell profiles that just go dynamically inject secrets from a secrets manager. Nix is a good tool for this. You have various shell profiles configurations that call your password manager cli at bootstrap (eg new terminal tab). You auth and at bootstrap of the terminal time the secret is dynamically fetched from the password manager and injected into an env var. this has advantage over other approaches mentioned here in that the secret is never stored at rest on the end user’s machine only used in flight