"Protect my files."

Here that means more than one copy since the most common source of loss at the shop counter is a failed drive. I will lump all failures into this such as hardware and software.

Few protect their files against loss and placing the files into crypto-containers only makes recovery unlikely.

1. Encrypting containers make files less secure against loss.
2. Backups are today's best defense to keep our files secure and not get lost.

After that I see no reason to use anything more than:
A. The native encrypting file system on Mac OS or Windows.
B. Backups of the files to stop the usual losses.