That's all dandy but as soon as one of your passwords gets uncovered I think there's going to be a whole lot of personal data theft all at once.

There is nothing wrong with generating a completely random password for something like a hosting account and storing it somewhere safe, such as your wallet. If you're not bringing your wallet around with you, I think you should be afraid for more than your email.

With hosting accounts in particular, you could always set up a set of SSH passphrase-protected see more keys that you can keep reusing. With a fairly long passphrase even if somebody gets onto your computer and steals the keys, there is little chance they will be able to guess the passphrase unless it's a saying you like to rub into your friends' and colleagues' ears.

In which case nothing can stop social engineering.