I really like the idea of adding in some protection against keyloggers.
How about doing what
TrueCrypt does? It gives users the option of locking with a password AND 1 or more keyfiles. The important point is that the keyfile is chosen through a GUI using the mouse. Even if your attacker got your password with a keylogger, he wouldn't know which keyfiles you used or even if you used keyfiles at all.
The keyfile only needs to be a few tens of bytes long so practically any old file you have lying around can be used. It does add a bit more risk. If the file ever gets corrupted, modified, or lost, it would be just like forgetting your password. You have to choose your keyfile wisely.
This is a pretty nice compromise between speed and security. It can be kind of slooow to hunt and peck your well chosen 20 character passphrase on a GUI keyboard. ;)
BTW, info on this aspect of True Crypt I only can find in the
pdf pages 41-43. But there are no pictures of this feature so you really have to try it to see what I mean.