Problem with that is "I just put a bunch of random characters in there" becomes a valid response to an overseas customer service rep if you're talking on the phone.

I've successfully responded something like "It's a 25 character random string beginning with A#fx and ending with ^tx% - would you like me to read the whole thing out?" to customer service reps. (I've never tried to see if anyone will give me access to an account just by saying "a bunch of random characters", but I wouldn't be surprised if they did...)

These days I just use 1Password's 4 or 5 word password generation option where it works. "What is your mother's maiden name?" "I answered 'griffin accolade stallion catboat' to that question."

That's neat that 1Password does that. I tend to do something like "Clark Dark Bark Park" for "First school?" and record it in LastPass's notes.

A lot of the questions are dumb, like "Favorite Food?" with a pull-down of 8 or 10 answers.

https://iancoleman.io/bip39/ is similar. Press the GENERATE button and grab the first few words off the seed.

OSX Keychain has a "memorable" feature for password suggestion (e.g. getup3_gulag). 1Password has a "words" type of password (e.g. ancestor-dissent-rubdown). I suspect other password managers have similar. That's what I use in this situation.

Also, the classic Diceware lists are great for these. Print one out and roll physical 6-sided dice for the full experience.

http://world.std.com/~reinhold/diceware.html

Good point.

In that case, a series of random dictionary words can suffice.