

The third option is to use the native secret vault. MacOS has its Keychain, Windows has DPAPI, Linux has has non-standardized options available depending on your distro and setup.
Full disk encryption does not help you against data exfil, it only helps if an attacker gains physical access to your drive without your decryption key (e.g. stolen device or attempt to access it without your presence).
Even assuming that your device is compromised by an attacker, using safer storage mechanisms at least gives you time to react to the attack.
Chrome cookies are encrypted, for exactly the reasons stated. If malware gains access to your system and compromises it in a way that DPAPI calls can be replicated in the way Chrome does it, then your sessions will also be compromised. But this is way harder to do, and at least prevents trivial data exfiltration.