I generate five random words and store them in the comment field of my password manager. It ensures they are at least pronounceable when asked over the phone.
The chance to do so hasn't occurred yet. Might be interesting to try, but it doesn't happen often enough and my priorities tend to be different when it does.
I thought up this schema after the last and only time I needed to use a secret question over the phone, when I read 32 ASCII characters to an Apple employee (which didn't work, but then they enabled a skip button for me to use).
