Mark Dain
I can't stand websites that use the secret question/answer method to recover access. I'm basically locked out of my Sainsburys account as I can't tell them what my first car was (hint: I don't drive, I could have put anything there!)
Martijn
Chrome encrypts based on your OS user credentials. For Windows it uses the CryptProtectData API tied to your logon credentials and I seem to recall it uses whatever keyring is available on unix/linux platforms.
John Olinda
My Chrome setup has a master password for all my sync data, even though I save passwords through Lastpass. But when I set up a new Chrome install I have to enter that before it will decrypt my data.