I have to agree its overkill, but whatever floats your boat.
I'm not going to, though, because some sites don't accept them, and if I need to memorize one for something, I don't have to change it. Less hassle (not that there is much anyway) and more than good enough.
Using anything of the sort already makes me so ahead of the curve that no one will pay attention to my passwords anyway, with all the easy ones floating around in the same database.