For the most complex passwords I have always just used a combination of upper and lowercase letters, numbers, and special characters. And memorization would be something that makes sense to me, but no one else such as the following. Which this one could be figured out if anyone was really bored and wanted a challenge seeing it as it is, but it wont be in any dictionary attack etc. I dont use this password, but it has a meaning and is part of something bigger.
!0mOfW@A1TpoaG
But if you have a keylogger etc, or an insecure connection to a site, it doesnt matter how complex it is, its in plain site/capture.
My biggest complaint with complex passwords is that there are many sites out there that have filters that dont allow special characters etc such as !@#$%^&*()_ to be used in passwords. And they confine you to Alpha upper and lower case and numerics making these passwords that much easier to crack and leet is not much help. Fortunately if cracked its usually just a web site that you had to register with to get cheat codes for a game or to play a free online game etc, so no major crisis if someone figured it out.