As a continuation of trying to figure out good-quality passwords that don't require me to come up with a huge password file, I have come up with a workable solution that this site says is a good password (over 90%, most in the 98%). Yeah, it slows me down a lot when I'm remembering them, but the important part is that I can recover the password with nothing but a piece of paper and a pen.
No plan survives contact with the enemy.
One of my banking sites (I have 9 including loans) will not let you use special characters (!@#$%^&*()-=, etc) in passwords. It allows numbers and letters, nothing else. I was stunned by this, mainly because you would think a banking site (and a major one at that) would actually let you create good passwords. I mean, you have to pick a password between 7 and 32 characters, but you cannot use a bloody "&" or "_".
Back to the drawing board.