sorry- I miss a few basic mechanics in a prominent place.

like- when I enter my passphrase for the first time, I have to enter a wallet name.

when I return, that name is listed in wallets on that computer. Elsewhere, I read s.t. about a wallet file.

Is that wallet file encrypted with the same passphrase as my account passphrase?

Can I disregard the wallet file and only use my passphrase? When the computer is lost/stolen, can anyone access my XEM somehow on the hard drvie?

I would prefer to operate with ONE passphrase onlly, so having two is  confusing- a bit like that annoying Bitcoin feature where the real privKey is carefully hidden, and only a passphrase to

an off-blockchain DB is supposed to be used....

And sry that I don't feel like browsing tutorials and forums for this info

Ah I see- when I 'export wallet' I get  a small zip file...