+1 to this. Extremely flexible.
We do all of this, except for plain text passwords in tables.
We highly recommend encrypting, or completely eliminating, plaintext passwords. Instead, create and store the required hashes (ssha, etc.) for various bits and pieces when you create a user, or the user changes their password.

I really expect more from these guys.

That the power grid in this country would become a set of large antennas during a "carrington event" is an interesting problem. Inducted current would be tremendous. There would be fires, almost certainly, and blown transformers. Fusable links might help with the transformer issue, but I'm sure that some significant amount of transformer capability would be taken offline. Power stations would likely be immune from meltdown, but I don't know if standard trips would keep them all whole. Let's say that some 50% of the generating capacity (very generous), and 70% of the transformers (possibly low), were taken out by this event. A significant inconvenience, to be sure. Nothing that we, as individuals -- and as a society, could not handle. To assume, like the authors of this article, that the most powerful country in the world would simply roll-over is preposterous.

To propose, seriously, that "Modern Healthcare" would end in 72 hours when the emergency generators ran out of fuel -- this is ridiculous. The article's premise that modern civilization in our country would be thrown back to "third world" conditions is also completely without merit. Not to belittle the situation -- it would, in a word, suck. That said, we would rise to the occasion, I am sure of it.

Let's just, for a moment, reflect on how deep the fuel infrastructure is in this country. A power grid is not required for fuel distribution, though some level of power is required. Pumps that pump diesel can be run by generators, many refineries are capable of using their own product to generate power, and distribution of fuel to Hospitals and the like is a standard emergency procedure. Trains, tanker trucks, and ships continue to run. The transportation infrastructure would remain largely intact beyond the boundaries of very large metropolitan areas. The roads would continue to roll, and with it, teams of people working to fix the problem.

First, the plants, then the substations, then the cities and transmission lines. Would it be hard? Of course it would be hard. But we would continue to make it work, to adapt and overcome, and in the process make it better.