I think you are going to run into a lot of anxiety about data loss. I did find the recovery code and peer to peer sync notes, which help.
Most people are not going to think through where to store an encrypted folder on a share so that there is a backup. If you are targeting just tech forward users that's probably okay, but for larger usage, you might think about full disaster recovery case where a computer and phone are both lost, as well as how to make it easy on where a copy is always stored or sync'd so users don't have to worry.
Great point. So often I hear people talk about Apple as the hallmark of usability, but the reality is other systems do a great job too.
This is a good example of thinking through the user's intention and accessibility states. We need to capture clear user intent first, then decide on the UX behavior. Changes like these help all users.