This doesn't address the key issue of how many "in head" horcruxes you want to have. Is it one and the same for all passwords? Then two broken passwords reveals it (if someone's clever maybe even 1, not sure here). If it's different for different passwords, you now need to memorize (or store elsewhere) a list of many, many such horcruxes. Not 7... but maybe a 100 or 200 to be practical for a heavy user of internet ap…
I have about 400 DPG passwords all stored in my head. https://github.com/62726164/dpg
Experts can go buy yubikeys and achieve far greater security for less work. Everything else needs to work for the masses.