Plain text can’t save you if you lose the files
Derek Sivers suggests, in a much-linked-to post, that all your stuff should be in plain text files, and I (almost) agree with him. Most of my notes are in some form of plain text format, but not for the reasons Sivers lists. My notes are in plain text because I prefer editors that use plain text by default. I suggest you use the tools and formats that are most useful to you now. If that’s plain text, then great. ...