I have several suggestions;

First of all, Adam Albrigt's notes about Windows EFS must be paid
attention to - EFS is a problem waiting to happen, so if you use it, you
should be extremely careful.

I suggest you to take a look at 'Private Disk'
(http://en.wikipedia.org/wiki/Private_Disk), one of its strengths is
simplicity, so it definitely meets the "-can be used by persons without
a PhD in cryptography-" criterion.

> One thing I like about PGP is that it lets you encrypt a file(s) into a
> encrypted self extracting file. As long as you have the password it will
> extract all the files.
Try 'Secrets Keeper'
(http://www.dekart.com/products/encry...ecrets_keeper/), it sort of
does the same thing, adding features like biometric devices support, and
it can use a USB key to decrypt files.


--
gr8dude