I've been using a system for probably two years now, and it is working well for me. No reliance on any tech. I usually find that a system that starts out OK sometimes falls apart after 6 months or so, so I'm confident this one is 'here to stay' for me. Here's a basic description of my system, you could modify in many ways for your own use:
A) I created a prefix that is ~ 5 char long, a mix of upper case, lower case, and numbers.
B) I created a suffix that is ~ 5 char long, lower case (to avoid multiple SHIFT key operations) and numbers.
C) A & B are committed to memory (also written down away from the computer) - they are short enough and the mnemonic is easy for me to remember.
D) For every site that I feel I need security, I have a log of the site address (or just a reminder of what it would be), and I create a unique, short, simple 'key' for that site - like local bank might be "lclbnk" - I write down that "key", as "-lclbnk-" and it is of no use to anyone, because the actual PW is my prefix&lclbnk&suffix. And the combined PW is pretty complex, yet simple to recall.
E) For sites where I don't really care about security, I use a common, easy to remember and type PW with a mix of U/L and numbers, so it works at almost every site.
Works for me.
-ERD50