I just thought about something after reading this longish and well thought out essay on password security. A key is just a key. It doesn't matter how sophisticated the lock is if you can break the door.
The answer to his questions and longing are PasswordSafe, a tool that generates excellent quality passwords and doesn't require you to remember them. I've been using it for years and I have 843 passwords.
But think about choosing passwords just like you choose car keys and how cars are stolen. Wait. You say you don't spend a lot of time choosing your car key? And you know that car thieves don't pick locks, they hotwire? You mean they just defeat all that security by going around it? Yep. When identity thieves steal, they might make use of the occasional unlocked door, but they have tools that bypass security systems over which you have no control.
But use a good password anyway, and have a nice day.