I have the same frustration. The real split seems to be on local files / encryption. I ran into a couple that had encryption stapled on as an afterthought and handle the encryption/decryption in storage, which misses the point. Some use keepass for secure notes, also a clunky hack. The closest I found was Tiddlywiki, which can encrypt local files (but only if it's a single html file). I don't like Tiddlywiki, but that's what I'm using.