I can't see criminals devoting serious time trying to break passwords simply in order to post here.
Password snoopers are not looking for your password in order to post here.
Hackers are looking for ways into websites in order to use the website's platform to spew clickable, money-generating spam, often porn. (This spam spewing thing happened to UVP in its early days.)
Hackers are looking for password patterns, such as the generating scheme mentioned above, which you might use on your other sites such as your bank account. Hackers are looking for passwords in order to plant
ransomware by kidnapping your photos or personal health information or your financial information. Need I go on? No, you get the drift.
All those patterns and schemes you use to generate rememberable passwords? Hackers know those methods too and use them to crack your passwords with high speed computing which can generate literally gazillions of password hack attempts per second. It is probably not a good idea to use any schema or pattern to generate passwords. Cryptology tells us that randomly generated passwords making use of upper/lower case letters, digits and keyboard symbols are the way to go.Then send the password via HTTPS and transmitted over a VPN.
...gimmicks like the "security questions" and the 'I Am Not A Robot' captchas are annoying.
Those are not gimmicks used for your security. Those are used by a website to try to prevent bots from setting up false accounts. We have to remove fake bot accounts regularly even with security questions. Hackers use bots to set up a false account in order to look for any way into a website or into your accounts that they can find.
The complex, un-memorizable passwords created by password managers are useless if you are trying to access your account or website from someone else's computer.
If you are trying to access a financial account (for example) and are not using your home computer, then you *should* be blocked from access until you go through a two-party authentication. Financial institutions (banks, credit cards, brokers, etc) now keep track of where and how you log in so that they can look for suspicious logins. If you do not have a bank which offers two-party authentication, then get another bank! If a bank or a website offers to "remember" your computer, say NO.
It is not important to the bank or to marketing researchers whether or not you "like" two-party authentication because they are attempting to defeat fraud which costs them hundreds of millions of dollars a year. And besides, if some hacker finds a way into your financial accounts, then the bank knows you are going to raise holy hell and call a lawyer to go after them.
It is pretty bad out there in the Inter-Webs and Security is *not* a YMMV kind of thing. Make use of
all the security you can set up when online -- strong random passwords, two-party authentication, browsers which support privacy, security questions, Capchas, password vaults, VPNs.
BTW, never,
never,
NEVER ever use your mother's maiden name in a security question.
They are all listed on Ancestry.com which is accessible by anybody for a mere $59/year.
That's all the advice I have for now. I'll be back in 2 or 3 months to check how things are going for Birna and the Crew. Adios!