Second problem, you get into car accident and you lose you memory. You are screwed since you forgot your secret word.
I'd be screwed anyway, because I would have forgotten I owned any Bitcoins in the first place.
I've often wondered about enabling the secret word option on my Trezor, but I don't think I completely understand it. What's the difference between the passcode and secret word? Is it just like two passwords you have to input instead of one?