Ah, wouldnt there need to be an in-between point where it is possible to lock up some for a longer period, while keeping some available for short-term. Perhaps the barely used savings wallet could become the short term holding point with the combined steem between it and the SP being the voting power. This way the 5 day power down to lose all would only affect the savings wallet - it would need a name change :)
I think the Savings feature should definitely be improved where it's possible to choose how long a person can "Save" their funds.
AND
I think a person should be able to Power Up their funds as short or as long as they want but Voting for Witnesses & the #SteemDao should be reserved for people who Power Up for 13 weeks or more to prevent Exchanges from using their clients funds with no skin in the game to vote.
I like the idea to bring the Savings account into the game at the same time. It's practically not used now.
Easiest would be perhaps two different account - one with a shorter and the other with a longer power down, with delegating SP from the long term to the "working" account.
Yes, but of the idea of communities and SMTs is about single account with flexibility. Thinking that there is a cost for accounts and a user comes in and then finds out they need to buy a second for security seems an unnecessary barrier. I would prefer simplification over complication, and that would likely be not looking into much of this at all and instead securing accounts in a better way, like 2fa.