When I first connected my S3 account to a Mac application, I had similar concerns about safety and credentials. I looked into tools that support secure authentication methods and allow working with IAM access keys in a controlled way. I found a clear explanation of how one Mac file manager handles S3 connections and security here:
https://commander-one.com/amazon-s3-client-for-mac/. It helped me understand how credentials are stored and how encrypted connections are used. In my case, once I set proper permissions in AWS and used the app only for file operations, it felt both convenient and secure for daily work.