Thanks for the reply. I am totally up to date, no updates available.
The problem isn't icloud email. The problem is Mavericks not reading the keychain intermittently, and blanking out my passwords now, though it works most of the time. Most of the recent problems seem after it wakes from sleep, email app not reading the keychain though I can manually pull up the keychain, and yes, I have the keychain unlocked and it works most of the time.
I've had Macs for years through various OS versions. This seems like a bug that came over with Mavericks, and I'm not sure if it is related to my choice to enable iCloud keychain, as I enabled that right away too. It still works mostly but some bug seems related to things waking up in the wrong order sometimes maybe.
I do understand there are alternatives, but I did pay a lot for a Mac and the capabilities it had. It seems a little copout to not insist somehow these new bugs get fixed versus brushing them over. One of the reasons I never used 3rd party was the wonderful integration between Mac and iDevice, even synching email accounts over to device email settings, something apple would not allow a 3rd party to implement on IOS. Since apple ripped that out recently too, taking away that fine integration feature in favor for these icloud partial replacements, looking at 3rd party apps more I will, since the iPhone account setting push is no longer an issue, for better or worse...
I have friends that use lastpass but I really did prefer Keychain and I did pay a lot for a Mac that handled saving passwords fine. Seems a little hokey to need a 3rd party password saver on a Mac because mail can't read Mac's own keychain off and on randomly...