I agree.
Also, the added complexity of distributed computations (Username’s suggestion) versus distributed real-time backups (the Horcrux 2.0) is enormous! Even for teams of extremely smart developers in 2015, distributed computing is not a simple problem. For one single “developer” in ~1990, like Voldemort (who has no like-minded individuals to discuss this with and has absolutely no background in computer science), this is near-impossible unless Magic has a built-in API that makes this extremely easy (which is unlikely, given what we know about the APIs for horcruxes, ghosts, etc.)
Possibly true; although I’m not sure whether Voldemort’s spirit would still stay inside the jewel once that transfiguration is made permanent. (Less of a problem now, thanks to the obliviation, but I’d still prefer some oversight, just to be safe.)