[ImmNinjaxD]

but the pain of remembering all the variations of passwords is way too much of a hassle.

Honestly, I use the same three passwords for everything. Not the safest thing to do, but if I forget my password i'll just try all 3 to see which one I was feeling that day.
I suppose, though, if someone really wanted to hack you, not having a storage service would just make it a tad harder at the most.