For me the downside is lack of accountability and management. The only way I've found to interact with it is via the wallet app on my phone which is a PITA.
VMFXX at 5.22% makes more sense, except it's not FDIC insured.
This is the issue I'm having as well. I've been a standalone customer that's been paying since 2007, if I can't host my own vault either locally or in Dropbox - I'm out.
I was hoping to use 1P 7 for as long as I can, but with the Chrome extension dying it's going to become unusable. What have you found as an alternative?
My understanding is that RootkitRevealer is no longer being maintained since it was being used by malware authors to evade detections. The age old cat and mouse game.
I believe you can have multiple phone numbers associated with your iCloud account if they are a physical number. This is assuming you have a phone that's capable of dual-sim or if you have a second iPhone linked to your iCloud account. The latter is what I do when to make myself available when traveling abroad.
VMFXX at 5.22% makes more sense, except it's not FDIC insured.