Another thing that might be good to know (correct me if I'm wrong):
When you encrypt your wallet, the keypool with your spare private keys is flushed and a new set of spare addresses is created.
This means that you should update your backups immediately if you encrypt your wallet, otherwise you might loose some/all of your coins when you send a transaction and try to recover/restore your wallet with your backups.
Nope. You're not wrong.
As a matter of fact, this other guy mentioned it a few posts back in this thread:
. . . Also be aware that when you encrypt your wallet, it tosses out the entire 100 address pool, and generates a new set of 100 addresses. If you create a backup before encrypting, it won't be good for very long after encrypting.