ur def right about this. there are a few other things (e. g. cached mail etc) that would be good to encrypt, which I don't do right now.
if my computer gets stolen I figure no one will bother with my data unless they stand to immediately gain financially. e.g. ransom. my data (I have backups) or access my bank info (I keep this encrypted) and steal my identity. so I protect against this as best as I can without sacrificing usability too much

i switched right after win95 🙂