i hate having to reset my passwords. i only use two passwords, one for places i trust, one for those i dont. probably not the safest and secure method, but it means i always remember my password.
however, i have put double security on my google account, where it emails me a second random code to my phone if i try to log in with a new computer. most of my secure emails go to google so needed that one more secure. wish live.com did that too.