you can use password names larger than 13 letters.

there are ways to boot your computer using a prtable usb drive and copy the sam files to be cracked on the culprits compter to get your password.

you can even hack xp simply by changing the screensaver to a cmd.exe prompt with full prvledges and and change anyones admin password to anytihng they want user the "net user" command.

You have an option to encrypt all your files and folders but you must back up your certificates or you will lose those files forever if someone changes your password using net user. even changing the password back will not decrypt them since it creates a new algorythm each time it changes...