I'm not an expert on strength of passwords but from what I recall, you can create passwords that would take 100's of years for the fastest computers to crack

In the grand scheme of things I don't see why this is ever an issue. Every web site that is worth anything, I would hope, would not allow a large number of passwords attempts. After a few (5 or 10) wrong passwords the site should lock you out for 5 minutes or an hour...or require you to answer one of your secret questions, etc. When you sign up for a new account this policy should be displayed in plain view on the signup page.

Mike