I basically use web based email clients like gmail, Outlook, yahoo, create draft email , set subject As note.

Then keep my lists, etc.

Easy to search, Easy to access anywhere, and I can send a copy around to get duplicate info. I only use file based text files for actual script driven Workflows.

I can make as many As needed and they are secure. Storing secrets is a challenge, for this I use a Password manager, they can store secrets securely and distributed.