> So either the file already exists and I thus add to it or a new file is created instantly.
If you want the same thing but want to do it in an app instead of manually in the terminal you should check out Notational Velocity (http://notational.net).
Encrypted database? I once tried a password keeper. I think it was called xpassword or something like that. After having a corrupted database twice within days, I pass.
I you want privacy your HDD should be encrypted anyway.