I don’t know much about Apple computers but on a Windows PC I wouldn’t use startup password to avoid friction when starting the PC. For login in a website, I would use an application like Keepass. For my private data, I would create a virtual encrypted disk with Truecrypt. If you leave your PC alone or take a nap, just close Keepass and Truecrypt and your data are secured. And to enter the password when you start Keepass and Truecrypt, I would create a few pages text file on my desktop and just copy/paste a combination of 2 or 3 words so I wouldn’t need to speak my password loud.