If you prefer to not encrypt the files to avoid remembering passwords, you won't be secure, unless you make a physical backup of the media holding your money and then put that backup in a vault (at your house or in a bank).
Actually, you could do a weekly trip to the bank and put your wallet.dat on a memory stick in a safety box. Assuming that you have that many BTCs to protect.
NO!! Encryption is not some magic thingamajawb that protects you from all evil.
Let me clarify: A _backup_ is of absolutely NO USE. So your weekly trip doesn't accomplish anything if the
very same file has been on your main operating system. This is a dangerous fallacy, hence my analogy with "keys" instead of "wallets".
Again: that would be like making a copy of your safe-key every week and putting that in the vault.
It has to be a new, untainted address, in conjunction with the wallet.dat that you deposit. Actually, this is way more convenient, since you
don't have to access your bank vault
at all. You just deposit/sent the coins into the right addresses.
It's ashame you can't just swallow the file & shit it out for future use's, it would make life so much easier