I totally agree that EV certificates don't work. I know the difference between EV and DV, but I'm glad I don't have to rely on that knowledge very much. I don't trust myself that I would notice if an EV site would suddenly have a slightly different looking DV-style lock icon. I don't even trust myself to remember which sites use EV in the first place.
As many other commenters here, I mostly rely on password autocompletion. If autocompletion doesn't recognize the site, then I'm extra careful. The point is that this is rare enough so that it is actually feasible for me to be careful on those occasions.