What's the point?
There's just been two articles about very popular sites writing passwords in plain text, so what's the point of the complexity when the website writes it out in plain text, stores it in plain text, and sometimes spafs it all to world+dog+gerbil because ... ah, what's the latest excuse for stupid, anyways?
Really, I don't trust the password managers, so I've been keeping password in a text file. The passwords just happen to be individually encrypted in AES256. Yes, they are random passwords.
But again, WTF is the point when assorted websites totally fail at their end to have any sense of security?