Is it inconvenient to use a personal digital security device?

Convenience is a big advantage of a personal digital security device.  Do you ever have trouble remembering all your different passwords?  Or do you always use the same one, making you very vulnerable to identity theft or online account fraud?  At work, do they make you change them regularly and make them so complex you have to write them down?  Do you think writing passwords down is safe?  A personal digital security device would eliminate all of these problems and unsafe practices.