I have HD accounts and non-HD accounts, on my mycelium app. It appears there is also more than one type of non-HD account. Colored/master coin, for example.
I'm still trying to figure out how best to ensure all my keys are backed up securely. Navigating through this not soley a matter of logic it seems. Some reading and homework is required. But of course this is what everyone who wants to hold crypto-currencies in a few different wallets should be doing. And the more valuable the crypto in question, the less margin for error there is, forking and retrieving receiving change addresses and what not.
I can understand why the Dash people are focusing on making things grandma-simple. Mainly they know there is no chance in hell of widespread adoption with this level of technical competence required in managing personal finances.
I may appear paranoid but I'm just trying to make sense of it all, right now. I guess I'm still going on the advice I took to heart which says if you don't hold your private keys you don't own the balance on them.
Thanks for the replies and advice, so far. It is making a lot more sense.