yes, i have lots of unencrypted documents on my computer as well and i am ok with that. the issue here is that most other note taking applications ive used in the past dont store like this. usually with something like evernote once you log out of the desktop app its not possible for most people to casually browse through your notes unless they know how to access and read the database files.
i suppose this is partly my own fault for presuming dynalist would work in the same way.
i mentioned the possiblity of my laptop being stolen in my original post but this is just one example because i didnt think it was relevant to list out every possible scenario. there are obviously far more common situations like sharing a laptop with someone else or having a laptop unlocked when other people are over where anyone can just easily browse through those dynalist files if i was gone away for long enough. as i mentioned, with other services it would be as simple as logging out to twart most of those efforts for 99% for the people i know.
your advice about setting up full disk encryption is good but its really not practical. can you honestly see dynalist adding a warning message explaining that if you are worried about your notes being stored in plain text that you should just set up full disk encryption? i really doubt it myself seeing as they dont even bother mention anything about your notes being stored in plain text in the first place.