Problem with that is "I just put a bunch of random characters in there" becomes a valid response to an overseas customer service rep if you're talking on the phone.
These days I just use 1Password's 4 or 5 word password generation option where it works. "What is your mother's maiden name?" "I answered 'griffin accolade stallion catboat' to that question."
A lot of the questions are dumb, like "Favorite Food?" with a pull-down of 8 or 10 answers.