Yeah, basically this. In theory every time I need a password I can copy and paste. In reality, sometimes I'm on someone else's computer or something else comes

Yeah, basically this. In theory every time I need a password I can copy and paste. In reality, sometimes I'm on someone else's computer or something else comes up that I need to open my database up on my phone and type it in by hand. For instance, I can't imagine trying to enter a 100 character password with a PS3 controller to log myself back into Netflix... If I'm already at "it's going to take 100 quintillion years to break this hash, even if they're only using MD5", then I really don't see any security benefit to using a longer password... But there's a definite loss of usability.