Thank you, @reaty – that’s an understandable stance, at least for tech-savvy people. The “I just want to take notes” crowd is probably less technically inclined, and I was thinking about them as the likely target demographic. I’m starting to think I was wrong, and these days there’s no need for such a service after all. Again: That’d be a good lesson to learn before starting to work on it for earnest. 
I appreciate you taking the time answering, seriously.