Hello ranochigo
I have not used electrum at all. It sounds like it has a lot of good features. I did not know about the decentralized feature of this wallet and would really have to check it out. It does sound more secure. Also the backup feature does seem really interesting, i will have to check it out
Cheers
My vote would go Electrum. It has a cold storage spending feature and is relatively decentralised since you can select your own server to trust. The Hierarchical Deterministic seeds is a huge plus since users only need to make one and only backup to be able to recover the coins. Clients like Bitcoin Core requires backups every 100 transactions.