I suspect, though, that all light wallets in the future will be based on the 3rd tier, and that if you want to work directly with the blockchain, you'll need to have a full client, with a full blockchain.  It's going to become a pain in the butt.  On the other hand, when I opened electrum, it did allow me to choose where to connect, or else use auto connect, so I suppose once all masternodes are running on this thing, that we could choose our own masternodes to connect to so that we know we're not being spied on, but that's only good for MN holders.