I feel the same way you do. I couldn't find a commercial product that I liked. I'm on OS X, and I made an encrypted disk image that holds a plain text file wit

I feel the same way you do. I couldn't find a commercial product that I liked. I'm on OS X, and I made an encrypted disk image that holds a plain text file with login credentials and important numbers/info. I made a couple AppleScript scripts that will open the file upon entering the decryption password, and then automatically dismount the disk after a certain amount of time (because I often forget to). I backup my password file by periodically emailing the encrypted container to myself. It's not sexy or slick, but it works for me.