1. Any application layer is in effect a transform, with security and sanity constraints, on user input.
2. There is at least the degenerate case where user input does not need to be transformed, only constrained
3. And about those constraints. CouchDB requires you write a validation function, and it lives inside the database, again obviating the need for that logic in the application layer.
4. What was your anxiety again?
Instead, serve {client,user}-specific keys from the server on request, or let the user generate them through a signin process in the frontend, say by using the _users database that CouchDB and Cloudant allow.
I plan on extending the getting started tutorial with an extention that does a database oer user when logged in (via persona), it actually wont make the tutorial much more complex and gets very close to what it should look like in production (https://github.com/daleharvey/couch-persona)