eHarmony and LinkedIn passwords stolen

Okay, does anyone use any of the password programs that are out there to help you store, and keep track of, various passwords for various Web sites?  While advice like this is good, it's all terribly impractical:

The eHarmony blog post recommended that people create strong passwords of at least eight characters, mixing upper- and lower-case letters, numbers and symbols, use different passwords for each Internet site and change passwords every few months.

I've read about the various programs to help you keep track of passwords, but haven't found them terribly comprehensible. How do they work, and what are some good ones? Anyone? Post in the comments. (I'll start researching this more today.)