For instance, I have multiple separator characters, multiple beginning and end characters, and numbers places at specific places, and arbitrary casing. That may be overkill but it's still essentially the xkcd format.
XKCD's youtube videos get millions of views each. It is a very popular comic, and that particular password advice has spread beyond it.
> What you describe as "bespoke" is likely the normal way someone might use it.
And yet the issue in question is about someone who refuses to adapt it.
Tayloring your format to the requirements of each site is a step towards defeating the utility of the system; now the user needs to remember some arbitrary hard-to-remember details for each password.
Although having a standard format for your passphrases across sites removes some of the advantages over just using the exact xkdc format (when one of your passwords is compromised and attackers can guess your custom format elsewhere now)...
Does this person exist?