So encrypt client-side?
It would be awesome if I could download the file without the password to verify that it's stored encrypted though.
You'll see the POST to the server going up encrypted, and the subsequent GET when you download the file coming down encrypted as a binary XHR.
If paranoia is this high, why would a security policy text on a web page make any difference? They could claim anything they want, but you wouldn't have any idea if any actual encryption was happening, so best to do it yourself.