Well, I remember once needing to use that function to recover a password I had forgotten. If i hadn't put real information as an answer to the question, I'm not sure how I would have been capable of answering it..
I used to make up answers.. and was bit by not knowing.
Now I associate a friend I grew up with the site and fill it out as if I was them. Now I can say "ING -> Mike" and I know which Mike and what their info is but it doesn't mean anything to anyone else.
This will not help you if a si8te storing your secret answer in plain text is hacked (most likely setup if a phone call can reset your password). Then the attacker will have your secret answer for every site you use.
No I don't but just in case. The point is to have something secret that only you know and other people can't google or guess it (dob, first school, etc..)
