I quite worrying about passwords... I know, that sounds weird, but since I started using computer generated passwords that nobody in their right mind could remember, and started relying upon Firefox to remember my passwords, I seldom get asked for a password change.
I think that is because all the passwords for all the sites are different, and all the passwords meet whatever demands each site requires... So when the site changes policy to require, say, one cap and one number, where it didn't before, my computer generated password is already so complicated that it already meets the new demand, so the password passes through the change in requirement without a hitch.
The only passwords that I use now that are human are my Windows login, my network login, and the access logins for my email (which is also the login into the various platforms ... Microsoft, Google, Yahoo, etc.) And my login into Firefox... Everything else is a throw-away, computer generated password.
I have run into sites that I could no longer access, but a quick trip through 'I forgot my password' fixes it up again, being sure that Firefox logs the change.
Important sites always have a secondary form of ID, normally a txt to phone, as a secondary safety measure, which also helps during a SNAFU... since the phone is already registered, it seems more compliant sending authority to the phone.
Otherwise, the only kludge, backing up the passwords in Firefox. So far, do that by syncing the passwords into Google Chrome periodically... but I need some other means.