The whole changing password thing isn't a big deal if you just go to one or two sites. It becomes a problem when you visit multiple sites for both work and play.
I am a design engineer who goes to multiple commercial manufacturer sites on a daily basis to download their products to use on our machines.
First off you are required to register on these commercial sites to be able to download their product and all require a password. Right now, most only require a simple password, but some are changing over and going to require you to use a more complex password, which mixes things up a bit.
I used to use the same password for all of the work and play sites because I am not smart enough to remember different passwords for each and every site I've ever registered on and I am not sure anyone else is either. Commercial sites I use for work required my works physical address and work "E" mail address, but nothing personal. The funny thing is, the car sites and most other hobby forums require your birthdate and location which allows hackers to come closer to getting more personal info from you. Some of the forums brought this upon themselves.
Like Tom and Dave, it wouldn't mean much to me if someone hacked my TC account because I use separate "E mail accounts for personal, Ebay, Work and forums. Don't get me wrong, it would be a headache, but not the end of the world and I'd just lose "E" mails which probably should have been deleted 5 years ago
The thing is, where do we store all of the new passwords? Not on a computer, I hope. I am sure everyone didn't register on all of their hobby or work forums on the same day. So, every 365 days you are required to change your password on a forum. Lets say I am registered on 30 different forums/sites for both work and play (actually more). This means I will be changing some password every 10 days or less. Some sites require a 'special character' while some don't allow them at all.
Most everyone are registered and permanently logged onto several sites, but visit just a couple on a daily basis. Once the new password requirements begin kicking in for these sites, I think you'll be seeing fewer registered users visiting these types of sites. While I am registered and logged into the Yellow Bullet forum, I don't post on there very often. I'll now just go to the forum to read or look for things without logging in anymore.
Once hobby sites begin making things too difficult for people log into or even visit a site, the general public will not even bother to see what you have to offer. The same goes for the owners of this site deciding they can 'automatically' charge your card when it is time to renew, without asking first. I used to be a paid member, but after they tried to take money from me without permission, I feel the morals of the company (not members) aren't inline with mine. I would never, ever reach into someones pocket without permission....
Just my .02...grr