Argh! The XKCD entropy comic. Back away slowly.. The "4 common words" password meme was around a lot after that comic. However, such passwords are definitely not secure because a good dictionary attack will break it in hours. You do not have as much entropy as you think with them. The same problem tangentially applies to his suggested password schema to. The problem is: as soon as you start using human word or pseudo…
No. For a dictionary attack, someone would need to know that you are using words. They would need to know if they are separated by spaces, or dots or slashes. The probability of someone knowing your personal scheme is fantastically low, unless they already know one of your other passwords and can guess it. A password like: "Żółć zżółkła w gąszczu fantazyji!" Is absolutely impossible to crack in any reasonable amount…
No, an attacker will not know your schema. But she will know all about the common schemas. And you're risking her using your schema in her attacks.
Your proposed password is much better than the one XKCD's proposes because you're using uncommon words and punctuation. And I agree, it's more secure.