All great advice. It really makes you shudder just knowing how easy it can be for professional crooks.

I would recommend some sort of memorised old phone number as a passcode, fictional or otherwise. This will be at least 11 digits. If you're in a public place deleiberately type it in wrong as fast as you can 2-3 times before getting the right one so an onlooker is a jumble.

(Although the initial meet cute seems a little farfetched. Why would I show a random stranger my vacation shots?)