There is a real easy solution to this. Don't put out there, anything that would cause any devastation if lost.
My passwords are not complex. They are unique, but not unique enough for the higher standards of security. Most of my on-line identity, is labeled under the same user name. It would cost me very little, if that identity was hacked. There is only one source of monetary quality, to be gained by a very successful attack on me. It is a debit card, connected to no other accounts. It will deny any transaction, higher than the most recently known stable balance. The card has a low minimal balance. I only put more than the minimal balance on the card, when purchasing something on-line. Otherwise the card only maintains the minimal balance. I do not fear an attack on my on-line persona, just because I can afford to lose all that is attached to that persona. A very powerful intruder might be able to acquire, at best the personal information that the card provider may have on record about me. At that point they are putting enough effort into it, that my on-line identity needn't be hacked to render me vulnerable to their skills.
A hacked account would cause a possible end of h3z for me, and a few dollars. I can get a different card from a different bank. I can also create a new user name.
I can't say that I am extremely safe. But, you are asking for it, if you make available on-line that which is important to you.
I'm not saying that adding complexity to your login, is a bad idea. But, its a better idea, in addition to limit the damage possible.
I understand that many people are connected to their employer, through the same device that is used for non-work related affairs. Its a bad Idea to mix work with pleasure. In cases like this, it might be wise to at least use a different browser for the two different instances of use. Better yet, one could isolate the different instances on the the same machine by dual booting operating systems, or running virtual machines. These ideas might be for the more paranoid, who are probably already taking greater on-line precautions.
Yes, the use of multiple complex passwords is important. However, unless required, don't put anything on the line that you mustn't.