If you are doing solo mining and have to leave it unencrypted, I suggest making two wallets and transfer coins to the encrypted wallet from time to time. As always, backup your data before running any random downloads from teh interwebs.
Sorry if this is offtopic but can't I solo-mine with my wallet encrypted?
My wallet is encrypted and I'm solo-mining with the minerd and I'm not getting any errors..

You won't find any block if you have your wallet encrypted and locked. Either unlock it for a long time period (walletpassphrase 99999999) or remove encryption.