I think it's easy to over complicate things when it doesn't have to be difficult.
To clarify an earlier post.
I use multibit
https://multibit.org/ which is a lightweight bitcoin wallet which stops you having to download the entire blockchain everytime you want to make a transaction.
I class multibit as my'main bank'. The wallet.dat is saved to an encrypted folder (using whatever encryption software you like)
The wallet.dat location should be similar to C:\Documents and Settings\example\AppData\Roaming\MultiBit Classic
Everytime you add funds to your main bank (multibit) you need to back up the dat file.
I also use mycelium which is an android and i-phone wallet. This is like the wallet in your pocket and I usually keep roughly $50 on it.