Apparently since the last time I checked, git actually includes a helper script that allows you to use `gpg-agent` to decrypt your creds in an analogous way to how `ssh-agent` works. It requires a bit of setup since for some reason it's disabled by default, and it's a bit more moving parts (GPG key plus username/password instead of a single keypair) but it's a lot better than it used to be.
I hope this pattern catches on for services other than git.
But for git you have the right answer.
I completely forgot this aspect because on OS X you can delegate git auth to Keychain with a helper.
https://help.github.com/articles/caching-your-github-passwor...