As an Apple user, I suppose it's fortunate that they are so immune to viruses, so that would lessen the keylogger virus threat. Plenty of hackers know how to get into Macs, though, but it's good that I've been employing said keybanging strategy ever since I went online.
One thing I'd like to add to the caution against using text files to save one's password - on Mac, if one is familiar with its features, one can have an "alternate screen" called Dashboard where you can have a calculator, dictionary, google searcher, various metric converters, local weather reports, ad infinitum. You can also have a digital sticky note there where you can type in whatever needs to be.
About a year ago, I changed my BZP password and didn't have a piece of paper handy at the time, so I put it on such a sticky note.
DO NOT COPY MY STUPIDITY.
Fortunately nothing happened and I finally wrote it down after a couple of months and deleted the sticky. I never leave my Mac open and logged in, and one always has to type in the password to wake it from sleep. Even so, it was a ridiculous risk, and despite bones' warning to not do this with text files, I thought this was a enough of a difference to merit mention.