It should be noted that the default keychain can be something besides your login keychain with a separate password from your login. This is the more secure way to store your passwords since your account password can be changed by anyone with OS X installation discs. Of course, you'll have to manually unlock your keychain when you want to access it but you can feel more secure if your laptop is ever stolen.
If you find typing in your keychain password everytime you want to connect to a wireless network or access some relatively unimportant website cumbersome, you can just save those passwords to the login keychain and keep your sensitive passwords in your default keychain.
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