If you are using plain FTP for something then it is safe to assume that security is not a priority anyway, so a shared .txt file with the password in should suffice.
Thank you, but by "client FTP" I mean an FTP server provided by a client for data exchange as part of their internal protocols. It's not always possible for us to bend clients' IT policies to our own desires.
If you are using FTP without wrapping it in TLS then your password is being sent over the network & internet in plaintext so how secure the password is on your machine is probably a moot point.
