Exactly. Encrypt with a simple utility, and write down the password and store in a safe place and let someone know. In my case, I have a friend who is very tech

Exactly. Encrypt with a simple utility, and write down the password and store in a safe place and let someone know. In my case, I have a friend who is very technical and I can trust to assist my spouse (who is not technical) with some items if need be. Part of my hand-written instructions are his phone number/email, and to call him if there are issues decrypting or restoring data.