The reason I distinguish non-techies from myself is that while I know my way around a command line, can compile stuff, debug to some extent etc, they/she can't. The same goes for my parents, and hers, as well as our siblings, uncles, aunties cousins etc. So while I may be ok using some application that requires some configuration and setup, the rest aren't.

Currently I'm not using anything, so it will be a case of eating my own dogfood(so to say). Whatever I'll recommend is the one I'll be using. As to why I'm not using anything - eh, a combination of laziness and faith in my own password rule.