Ok having quickly read though these options..
I'll give it a big MISS as this is just a test m/c but, I will be encrypting the two machines I have in waiting at installation.
BTW the encrypted FOLDER option gives a WARNING during the terminal install stage:
sudo apt-get install cryptkeeper
stating that it has been known to have been compromised

So I just auto removed it.
Then when I tried again, the pop-up warning did not appear?!

and auto removed it again.
I may even reinstall everything on this test m/c when the weather is british!
Thanks again