Instead of memorizing horrible passwords, have you tried making a non-horrible passphrase by rolling dice and picking words out of a dictionary? Arnold Reinhold calls it Diceware:
http://world.std.com/~reinhold/diceware.html
It isn't easy to develop these habits, but my data is priceless to me. I know that too well because I've lost some of it, and it still hurts. So I've made it a tradition to chip away at it on daylight savings sundays: update clocks, check smoke detectors, work on backups, shame friends into doing same....