my only comment is that bitcoin is not offering the most secure implementation it can. the fact that its a conscious decision doesn't change that.
Ummm...You know when you choose "About Bitcoin-Qt" and it says "Version 0.something BETA" ?
When we've got an implementation that is safe and secure (both from hackers and from accidental loss) out of the box that will change to say "Bitcoin Version 1.something".
Unfortunately, I don't know how to launch Bitcoin in an alternate universe where it will be attacked by highly motivated black-hats and then bring back the battle-tested source code to this universe to be launched as a perfectly secure Version One.
So, to repeat myself: Bitcoin is experimental software. Do not invest time or money in it that you cannot afford to lose.