Monthly is just a simple test to see if you're actually using these accounts. I'd say start by reconsidering if you need these accounts at all and if you decide

Monthly is just a simple test to see if you're actually using these accounts. I'd say start by reconsidering if you need these accounts at all and if you decide you do, go ahead and keep them in a software vault. But I still recommend keeping the ones you use once a month or more in your head. It will be more secure (and possibly more convenient) and if you are using them this frequently it will also be easy to remember them. I'd also posit that these frequently-accessed accounts are likely to be your most important ones, deserving of a little extra security.