I think you misunderstand how sophisticated dictionary attacks are these days. Your suggestions would only protect against the most naive of dictionary attacks. Modern dictionary attacks include misspelled words, common character substitutions, numbers, and repeated characters (among many other forms of modification).
The problem with remembering passwords isn't that one password is hard to remember, it's that 10 (or hundreds) are hard to remember. Different applications have different complexity requirements and, shockingly, some have complexity maximums (for example, password length limits or banned characters).