I'm coming around to thinking you should get a secret email address for your sensitive accounts. Treat the string of that email address as almost as important as the string of your password. The problem is that you do have to tell it to people who probably don't share that philosophy to the same extreme.
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Email accounts are the weak link for many things... DNS registrations, web hosting, etc. Get the email account and you have it all.
I'm coming around to thinking you should get a secret email address for your sensitive accounts. Treat the string of that email address as almost as important as the string of your password. The problem is that you do have to tell it to people who probably don't share that philosophy to the same extreme.