Hello,

I am newbie, and I try to read documents on bitcoin, how to keep my fund safe with seeds, and backup files.
However, there is one point I don't really understand.

If I have a bitcoin wallet, I save its seeds, then encrypt that wallet. Later on, I do its backup (after encrypt that wallet).
So, what will happen if some months later, I lose the wallet backup, then I will have to start from scratch with seeds only.
Will I be able to fully recover my funds?

If yes, I have one more question.
Passwords of wallet is only needed if I recover my funds from wallet's backup files, right?


Thank you for help me with this nooby question.