Good post, upvoted! Many people these days still use very simple passwords.

The method you wrote is a good way to create memorable passwords.

Sometimes attackers make a cracking algorithm that also scans for replaced characters together with dictionary (3,0,5).

I found if you use very long passwords (128+ characters), the user interface often doesn't accept it.

In fact, the Windows 10 passwords cannot even be longer than about 12 characters.