Everything is worth encrypting by default. It's the digital equivalent of putting a lock on your front door. In addition to having passwords (pass phrases), ha

Everything is worth encrypting by default. It's the digital equivalent of putting a lock on your front door. In addition to having passwords (pass phrases), have multiple keys. Store master keys (for sets of disks) in a fireproof lockbox on a usb stick, refreshed occasionally. Store it in some secure third location. It's like having the key to your storage box or your house. Encryption doesn't prevent someone from absconding with your data on the web- it prevents someone with physical access from taking off with your data. Have multiple copies on different key chains. If it works in the real world, it works here just the same.