srsly? fucking A =D

btw, from everything ive read so far, it seems to me that bitcoins arent really stored on any file, but associated with a certain wallet which cannot be accessed without the wallet.dat file. the reason i think that are the instructions on how to make a 100% secure wallet. the way i understand it, the wallet.dat file you're supposed to put your money doesn't seem to be online at any point except for when you retrieve money from it. is this accurate or am i misunderstanding something?

also, wouldnt it be way safer to have a shit-ton of wallets with only small amounts in each (each with their own password of course) rather than having one wallet with everything in it? yes, it'd be tedious but safer, wouldnt it? (assuming you're able to memorize a high quantity of very complicated passwords that is)