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Well, no problem with nasty cryptolocker and other malware there.Apparently the business these microdrives came from (well known retailer back in the day) used them for their payroll and books. Just imagine... A Speccy running your payroll and basic accountancy.
If it is possible, I would get a 128+, equip it with an SD card reader and use that for my finances and documents.
Email will not be possible, unless there's a way to get it to connect to the WWW etc... but most probably the schlepp won't be worth the bother.
No more worries about cryptolockers, viruses and the such trying to mess your files up.