Also how secure are programs like "Armory"? because i dont want to transfer BTC to some service with the number of scam post that are being put out on this forum.
Armory is amazing program, if you want and take the time to use it correctly it is invaluable, I use with my bitcoin-qt as your suppose too. My bitcoin-qt handles transactions that are quick and dirty for under ~50btcs. I use my armory setup for everything else, long term holdings, cold storage (were a bulk of my coins currently sit). It is one of those applications that is a must!
So Armory is kind of like a bank but with all the bank like stuff (interests, payments, etc.)?