You can still get your ACTIVE and OWNER private keys if you need them(If you have your password),
https://steemit.com/steemhelp/@dantheman/get-your-private-key-from-your-steemit
But I agree that if you loose your password you loose everything
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good to know :)
I am not very technical I don't understand this much.
We can use funds? How? Why? I am barely-there when it comes to the techno stuff. When I go to the link here, it is written in crypto jargon, and I can't follow it, nor do I know why I need to follow it!
Im not quite sure I understand your post 100%, (English is not my native language)but the only thing you need to do in steemit.com is to keep your password safe, there is nothing else to worry about. I posted the above link so that people know that nothing is lost if you don't copy all your private keys in your first log in as the OP states. If you ever need your private keys the instructions in the above link will help you retrieve them, in the feature there might be an easier way I guess.