The detailed blog on passwords is quite clear that very often people need more than one approach to dealing with passwords because all passwords are not the same.
A formula is one approach that people should consider and it is often overlooked. The blog also makes a clear distinction between hard and soft formulas (my terms) A soft formula can not be cracked, even if many of the passwords leak.
Michael Horowitz
https://defensivecomputingchecklist.com/DomainNameRules.php