For the PIN question, have you considered a longer PIN? I used to use an alphanumeric password but it was too cumbersome to enter one handed. I switched to a 12 digit PIN and that works just fine. If a phone number in the US is 10 digits and we can memorize those, I figured I could memorize 12 digits.
Example: 123 456 789 123
Not so bad when you break it up. Also this is not my PIN lol