A side issue, but: > It generates those passwords for you, and they're short, one-time-use combinations of three English words If an attacker knows the tool does this, doesn't this reduce the keyspace to crack to (number of words in an English dictionary)*3? Is that enough? Am I missing something? A very complete dictionary has around 170K words, let's generously assume the password generator is willing to use all of…
It is not multiplication, it is permutation (170k!). I don't know how big this number is, however it is pretty big. This technic even has a name: diceware [1]. [1]: https://en.m.wikipedia.org/wiki/Diceware
Generally I see people using Diceware with more than 3 words too (at least 4 or 5). However if the file does not need NSA levels of security 3 words seems fine.