"Insightful?" .NET's not interpreted- get your facts straight. People can write crap in every environment- give .NET to a skilled dev that understands where its power lies, and he'll build you something incredible, performant, and do it quickly. Give it to an idiot, and you'll see the same crap the idiot would write in C++ or any other language, you'll just probably see the end result a little sooner.

Stop the violator!

"If someone alters your password not through the normal password change process (i.e. an Administrator uses 'reset password'), you lose access to your private keys, and thus your encrypted files."

This is only true for local (eg, non-domain) accounts. Domain account passwords can be changed administratively without affecting the keys.