There is, quite literally, no way to put files "not at risk". There's always a risk. Always.
That said, if you need them to be encrypted, an image is as good a way as any. Of course, encryption is another risk -- it's even harder to salvage encrypted files that it is to salvage a non-encrypted image... you just have to balance safety and security at a level where you're comfortable.
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--Dave Nanian
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