It only costs me $100 per year to have a terabyte of storage on Dropbox. Everything lives on there, not just business files, although they constitute more than 90 percent of my digital stash. If you keep passwords on there, you should give the file a completely innocent sounding name. I know some folks who keep a file with passwords on a zip drive and use it to sign in. There there are those who use the same password for everything--in order to be hacked I suppose. There are all kinds of strategies, for example, pick a famous painting with lots of objects in it. Use names of objects as passwords. But he who does not back up or use cloud storage is doomed to grief from crashed disks.
I'm changing over all my computers to Win 7 only because Dropbox will no longer automatically update XP units, although you will still have access to the most current files in your Dropbox. We make a lot of use of Dropbox to coordinate the 3 people involved in our business.
The more I do, the less I accomplish.