Idget talks to me out loud when nobody's around (thankfully). She's always commenting on something or other. Some of the others do that too. I just hope they never get caught. I'm pretty isolated so that's probably why it hasn't been a problem. If they're talking in the car and someone starts looking, we just start moving like we're singing to music!
As for remembering passwords, I found the coolest app called Password Caddy. Pretty sure it was free, definitely <1$. Anyway, now I only have to remember one password, the password for the app. In there you can organize and store all the passwords and logins and misc other info to your heart's content and never have to remember another password again. It also has a password generator if you get stuck.

Very cool, I use it ALL the time, even tonight I stored the login id and password for the post office which they made you get in order to pay/print a shipping label. I've got about 20-30. I'd NEVER remember them otherwise.