I'm a single-user with a desktop machine & dialup connection, but I felt like a CIA employee in my own home with all this password fluff.
Some exdellent soul posted this somewhere a while back - it suits my purposes perfectly:
"Tired of Logging In? Many people have complained about having to provide their passwords to installers in Mac OS X. I'll happily enter a password instead of being forced to reboot, as in Mac OS 9, but the frequent password prompts are annoying. Luckily, you can turn them into reminders by making your password blank. You can't do this with the Change Password button in Jaguar's new My Account preference pane (where it claims your password must be at least four characters long), but you can do it by editing your user in the Accounts preference pane (it used to be called Users). Once you've set your password to blank, you can dismiss password dialogs merely by pressing Return. Needless to say, a blank password is a huge gaping security hole with razor sharp edges, so consider yourself forewarned. I wouldn't recommend doing this on a machine that's always accessible from the Internet, and I'd reset a password on a laptop before leaving home in case it was stolen."