That's why I said it has no drawbacks as long as you have a physical copy of that private key!
Ah yeah, you are right, I completely missed that prt of your post. I blame the sun as I spent almost the whole day yesterday on the beach and came home exhausted and with the massive headache. 
Besides, if we talk about brain injury, depending on how serious a memory loss is you might even forget where you hid your private key or that bitcoin is all together!
True, and that's why its important to have contingency plan set in case of death/injury/illness (which I have), but somehow I think many don't.