Wow, thank you all so much for the huge help. I get it now. I think, since the vast, vast majority of my online use is from my own wifi, I am best off using LastPass and their random, generated passwords. I now have to teach Mr. Fink how to use it. For those times I am forced to use public or other wifi/machines, it is really almost always for email and maybe one or two other sites (like FT ). For email and those one or two sites, I am going to use different, but more complex passwords that I can remember without having to use LastPass. I'll also keep a few one-off master passwords for LastPass with me in case I do need to access my vault when out and about.

Many, many thanks to those of you who took so much time explaining this to me. I used to be one of those who had the same password for everything and figured it would never happen to me. I recently moved to my 'system' but realize now that still isn't much better. This is something I've been really worried about for a long time and finally addressed thanks to this thread and your help.

Now, what do I do about all those pesky pins? ATM cards, credit cards (chip and pin cards in Canada), keypad door locks, ipad/phone lockscreens, voicemails, etc, etc??