If you have any of these things, should you encrypt them? Well, if you have anything you wish to keep private you should. What? You think only those with something to hide should use encryption? Well, do you have any PINs for your credit or debit cards? What about your Social Security Number? How about any private information about your bank accounts? What about legal materials from your lawyer? A draft will perhaps? You do have important private information you don’t want bandied about. And you aren’t in any way disreputable.
So what do you do? Well, encryption is cheap and easy. I use TruCrypt but there are others. I’m not going to endorse any specific software. But you should use something.
By the way, use it on your smartphone too.