Great time to be lending BTC on bitfinex - it is sitting at an incredible 0.35% daily right now! That is around 127% APR - compounded daily which would make it an effective annual rate of over 255%!! Why are more people not lending BTC over there??
The same reason we didn't store bitcoins at Gox.
How big of a threat are wallet stealers? Curious. I keep almost all my coins on exchanges, because i'm paranoid about them.
Unless you are trading 100% of your coins regularly, why don't you keep a portion cold?
I will lose anything physical. Almost guaranteed. I have to replace my flash drives monthly because I always lose them...
Make two encrypted copies of everything and leave one copy with trusted people who live far away.