Oh,and

3)Suggesting people "might want to make multiple copies" is bad advice.  People should *definitely* have more than one copy of their wallet. As you say, "losing your wallet.dat is worse than someone stealing it." but also: Flash drives go bad. Files get corrupted.  Things get misplaced.  Mistakes happen.  2 validated copies is a bare minimum.  I would say that "probably want to make more than two copies (and keep 2 copies on each storage device)" is better advice. 

In the early 90's, I became unable to unlock my PGP secret key - the passphrase I remembered and was sure was correct no longer worked.  Was the file corrupted, or did I somehow misremember it?  I'll never know for sure.  The key wasn't backed up, so I couldn't try or compare with a backup.