I guess if there are no sensible or useful links between two or more different areas of interest there’s no value putting them in one vault and it may even confuse things. For example I’m learning French and have a separate vault for that. The words, definitions, verb tables in there are essentially “random words” that do not need linking to the rest of my stuff and would only cause confusion!
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I use one universal vault. I have “archived” vaults that will get refactored into my new vault.
In your example I just might do the same, but I think there are very few exceptions. The problem with that logic is you assume you can judge the existence of a valuable overlap between field beforehand. Experience tells everyone that if you continue to explore and engage yourself in two separate fields, you will start to notice links between them. As long as those fields are in separate vaults those links can’t happen in the way Obsidian makes it possible. The power of one vault is you can get maximally surprised by your own thinking.
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Files on disk are not encrypted.
If you have only one vault and you have personal and work stuffs, they will be blended.
If you install Obsidian on your work computer and your administrator can access your computer at any moment, having only one vault will give him access to all your personal stuffs.
With more than one vault, you can on your work computer create a vault that will contains only work stuff that you don’t mind if your administrator access them.
You can create only one vault and focus on one folder when thinking and writing.