At home I am using these settings and I am happy with it. You might want to try it out:
Vault Timout: On System Lock
Vault Timeout Action: Lock
Unlock with PIN: Activated.
So if I am continouly working at my computer I can use Bitwarden without interruptions.
When I let the browser keep on running but lock the system (Win+L) I can unlock it by just using the PIN I defined.
And when instead I close the browser, shutdown the computer or restart it)I again have to enter the password.
At the office I instead have a Vault Timeout of 5 minutes. So the difference is that I have to use the PIN again after these 5 minutes.