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I HIGHLY recommend PGP. You can get PGP Desktop for Windows and there are several *nix-based PGP implementations. It's as secure as you make it (I use a 2048-bit key for work), it's portable, it's well known.
ROT13 and renaming file extensions aren't exactly encryption, per se. Well, ROT13 TECHNICALLY is, but I mean... not REALLY...
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