I use three passwords, though the 'third' comprises of the various types of X I have used or owned over the years so runs to 20 odd types.
One crap password for irritating internet sites and a secure one for important stuff.
If I use the third type I can sometimes have to spend 20 minutes cycling through them till I find the right one!
I once worked for a bank which demanded a secure password change every month. Complete pain in the arse and counterproductive as everyone kept their latest password on a bit of paper in their drawer.