It doesn't matter if you have a 100 digit password, a keylogger with steal in an instant.
I just try to keep my passwords long enough and random enough to avoid dictionary and brute force attacks. I change my passwords fairly often even though I probably have far less to lose than other people. I think the only thing connected to my email is my World of Warcraft account and a ton of newsletters which I didn't subscribe to. I don't log into my email and stuff from any computer other than my own because I don't know if they're secure. If I do have to log into one of my accounts from another computer, I change my password when I get home.. It just bugs me if I don't change it.