When it comes to brute forcing a password, wouldn't it be simpler and more secure to use very strong passwords 10 digits long?
A strong password would apply to a system that allows upper and lower-case letters, 10 numbers, and special characters. Let's say there's 10 special characters.
So that's 52 letters, plus 10 numbers + 10 special characters. Over the course of a 10-character password, it's
72^10 = 3,743,906,242,624,487,424. That's ~3.8 quintillion combinations. Since most websites needing tight security with their password formats usually allow only 3-5 tries before a lockout and need to manually reset, doesn't it follow that the chances of being brute-forced are just about zero?
As far as an account being hacked, well, just keep a post-it note in your room/office where you work with the passwords listed, and don't store them on your machine. And use a unique password for each website, so if one account is compromised, they can't get to the rest.