There's also the fact that she kept using her BlackBerry in 2008 despite being warned that even the NSA couldn't solve the security issues (which were about unauthorized parties breaking in, not about emails escaping government record). That's consistent with her wanting devices that were convenient and worked, and pretty inconsistent with her wanting to keep emails away from government archiving: she invited the cooperation of the NSA in solving her problem (until they said they couldn't), which she wouldn't want to do if the purpose of her using the BlackBerry was to hide emails.
So - when you say "odds are", what's the evidence that causes you to favor that more complex hypothesis?
If you mean that she used a private email server, remember that Hillary Clinton was the first secretary of state to live in the era where real-time email was a thing the average (American, at least) person had. iPhone and Android both came out in 2007; Hillary became Secretary of State in 2009. We have no information was to whether Condoleezza Rice would have wanted to, say, use the Dropbox mobile app had her job continued past 2009; that app didn't exist during her tenure. No one in the history of the US government had gone as far as to use reliable email on their mobile device to get their job done, but that's because Hillary happened to be Secretary of State during the years when real-time email in your pocket became practical.