electrum wallet - what if I "lose" electrum.dat?

[empoweoqwj]

What do I lose exactly if I misplace or corrupt or forget to back up my most recent electrum.dat wallet file?

I still have the main password + private key, just say the electrum.dat isn't up to date or gets lost completely?

On a similar note, what if someone else gets hold of this single file, but doesn't have the password or private key?

thx

[Ditto]

You can use the seed to recover your keys if you lose your wallet file since Electrum uses deterministic wallets.