This all sounds very worrying and a bit OTT, but I'm a complete novice at on-line security. I'm not sure what the point of changing passwords regularly is. If the website you're using can be hacked into then your new concoction is just as insecure as the last one.
Surely you need something which is fairly static and memorable to you so you're not likely to forget it, seek outside help, or have to write it down. You could use a randomizer and memorise a meaningless character string, but wouldn't want to be doing that too often or you'll lose track. You could invest in a bit of encryption software or generator as you've done, but that costs money and is out of your complete control.
The only way I can operate the couple of dozen sites I access is to use the same password (gasps) where 8 characters max. is the practical limit. I put some sort of keyword into a form which no-one can guess. I use scottish gaelic (which hardly anyone knows) and has a bizarre grammar that few understand, often including me ..... noun forms are unfathomable. It makes my PSW unpredictable so maybe quite hard to crack, and that's about all that bothers me.
