Password Strength
xkcd.com
xkcd.com
One breakeven point is 63^10 (9.8e17) ~ 20000^4 (1.6e17).
This is being quite generous to the four words as the likelyhood of word selection from the vocabulary would be far from uniform. Also offset by the fact that shorter length passwords are brute-forced. If four-words became the dominant meta then we could instead have brute force applied to the word dictionary forms.
Since most strings following these rules are hard to remember, and humans being humans, we get passwords that follow simple, predictable, and easily guessable patterns like
aAbBcCdD1234!
Follows every rule in the holy triad and is likely to be cracked in seconds from some rainbow table.