That said, I personally don't mind plaintext passwords if there's a good usability story that goes along with it and if the security tradeoff is negligible. I put the odds of my user database being exposed at approximately zero, so generally it's a fine design decision. When was the last time you heard of passwords being stolen en masse from a major site that didn't also include a hard drive being stolen?

I have no idea why you think the public is told every time a a password table is dumped. In fact, change that "every" to "any".

Here, let me make this easier for you: if you ever plan to monetize your application, you will fail PCI audits for doing a crappy job with password storage. But I'll do you one better and give you a tip from the trenches: if some lame PCI auditor sees that you don't know what you are doing, his company is going to roll you for 8 billable weeks, laughing at you the whole time, before they give you the meaningless stamp of approval that lets your process credit cards.

I'm not a security expert. I write webapps. I'm open to learning new techniques and using other people's libraries. However, I need to balance that against the need to get something out the door. As mynameishere put it, I'd love to have a website that's even worth breaking in to.

If there's some sort of tutorial out there that says "For passwords, use this library. For SQL injection, escape your parameters with this procedure. Here's how to secure your server from being rooted. Add these lines to your mailserver's config to avoid being used as a spam vector", I'd love to read it.