I remember when Leo suggested this. I thought “Now, that’s pretty slick” because a bad guy: #1 Would never know you’re using a made up answer. And: #2 Even if he did think that, how would he know what your totally made up answer would be? If your answer to a question like: “What is your spouses name?” is a completely made up random jumble of words (and I’m single!) I think that’s pretty secure.
In my opinion this technique turns what normally is a lame security gate into a pretty good one. You do need a way to record your exact responses, I do and I’m not saying how I do it!