There is no general solution; only the end-user is smart enough to know when autocomplete should be used, and asking them to specify it for every field is too much work.

Personally, I installed a Safari plugin to ignore autocomplete=off because it was so annoying. So Chrome is doing what I want my browser to do.

That's just it, maybe it is time to put it back into the hands of the end-user? You don't need to ask the user for every field, just an override for fields that have autocomplete=off. Add a simple mark for "Autocomplete was turned off on this site for this field" where clicking it overrides. You could add similar marks for fields with onpaste handlers to deactivate them.