I remember this on startssl.com, and experience (or at least Firefox's implementation) was horrible.
-I had to refresh certificate once per year, which is very inconvenient, as I would go to startssl.com once per year total
- Half of the time something would go wrong with keygen in firefox and it would not remember my certificate at all. This is when you discover that all the security is simply bypassed when you send email to support.
- And worst of all, it was not very secure at all -- a malware on my computer would totally steal a certificate and keysniff the password for it. Compare with Google Authenticator or SMS auth, where I would be safe as long as my cell phone is not compromized at the same time.