Hey @MaddGDad,
You are correct currently the only method of “sharing” an item is through the use of a shared Organization and org Collections.
These are good for maintaining a “single source of truth” regarding an item, so you don’t have to have multiple copies of an item in your individual vault, and an Organization vault, or yet another person needing access.
What you may be looking for could be solved with the use of permissions for items within a shared collection.
For more “one off” sharing where an Organization does not need to be used, you can also check out the current Bitwarden Send.
Though I would also note, that Bitwarden is currently planning a feature labeled on the roadmap as Vault Item Sharing, which as I understand will also allow for easier sharing of an item directly from within your Individual Vault without the need to create a separate Send.
Both of these though essentially would be “static” information, so if you update the info for your source item (say update the password) it would not automatically be updated with these types of sharing.
So for continued and ongoing sharing, that would be where an Organization would come into play.