Earlier quoted context omitted.
If you have n schemes that you’re targeting, that’s only a slowdown by a factor of n , because you share effort between the two schemes. A cracker can try all the word combinations below a certain depth, then try all the passwords below a certain depth. Then increase the search space a bit for each, as long as they want.
That's fine if your only other scheme is "exact matching words". But once you break from that, even a little bit, the number of different possible schemes balloons quickly. For instance, 3 words + a symbol at the end. A cracker can try all the words, sure. But they're probably not going to try every different "all the words plus a little twist" schemes.
sym,word,sym,word,sym,word,sym
Where sym is 0-1 symbols or numbers, and comma indicates concatenation.
If you use 5+symbols you’re probably creating enough entropy, but you’re veering into hard to type, might as well just use gibberish territory.