Yes, gpg-agent is super fancy, and if you and I weren't talking about the joys of "simplicity," I can see how it could be quite useful. (And thanks for pointing it out. If my needs get fancier, I might well decide to use it.)
But, for the moment, we ARE talking about simplicity. I'd like to simply encrypt a plaintext file. Then I'd have a decrypting version of cat (call it "dcat") that asks me for a password, doesn't echo it, and applies it to the file before cat'ing. It doesn't know if the password is right or wrong; it just passes the file through it before cat'ing. If I give it the wrong password, gibberish comes out.
I could then view a whole file (dcat my_secret_pancake_recipe.txt) or pipe it to grep (dcat my_logins.txt | grep -A 2 Netflix) to get just the lines I want---exactly what you'd do with any text file except that it starts with a decryption that asks for a password (which it doesn't echo).
What's the best way to do something this simple?
UPDATE: openssl essentially does this and comes already installed on Mac OS X. I'm a crypto noob, though, so I'd still welcome advice.