I'm more and more convinced the only safe way to keep your bitcoins is on your own computer. I have 1 BTC, and it's currently hanging out in my hard drive, with a wallet backup on another hard drive. I suddenly feel much safer.
When you say your 1 BTC is on your hard drive, do you mean it's on the hard drive of a running Internet-connected computer? If so, how do you address the threat of malware that searches for wallet files?