Yes, they are a pain. All the requirements to have minimum characters, numbers, symbols, lower case, upper case, where does it all end? Well for now it doesn’t. The Portland, Oregon division of the FBI has recommendations for passwords and security.
Some people seem not to care about passwords and just make a simple one to get them into a site. They reuse passwords for multiple sites without changing them. Sometimes there are a couple favorites they just use over and over again. If they are asked to change them out, they just rotate the same ones around.
So back to the recommendations of the FBI. They recommend using passphrases. This would be three or four totally unrelated words strung together. You still may need to add special characters or numbers or capitals with some sites like banks, but you can slip in between words if that makes it easier for you. If you need help, try out this passphrase generator.