If you are traveling with someone else consider cross-polinating your wallets. If you are not driving, carry their license and one credit card. It means that you are not completely up a creek without a paddle. Even though you don't need it, consider a US Passport Card. While it has no legal value in Europe, it may help with the embassy and is an extremely impressive second ID. The large hologram and the physically embossed seal make it a difficult identification card to fake. (Then again the US Alien Registration card is a very difficult document to counterfeit and you can buy really good fakes in LA for $100).

If your traveling partner is your spouse, make sure that you each have one credit card that is different from the other so that canceling all your cards doesn't also cancel the spouse's.

If you are paranoid, you can also do something very basic like inverting the last four digits of your credit card on your list. I don't know about picsoffido.zip with a password. I would rather call it fidosrabicert.wpd. Let the cracker get a WordPerfect viewer, figure out it isn't really a WPD file, sort out that it is a ZIP, and then crack the password.