It's not dumb, it's just a little inconvenient. My passwords are normally 50+ characters and pretty hard to type out, but I could fix that with "Correct Horse Battery Staple" passwords.

Travelling is a little worse. I'd need to carry my little pocket book an risk losing it and now I can't lock my accounts, because I don't have the password for them (I could have a backup).

You know, I'm kinda talking myself into just doing passwords in a pocket book.