If you have a BIOS password then this will stop the casual person from
walking up to your PC and rebooting into single user mode - as would
encryption. If you compare it to other OS's it's the same. If I am
standing at your computer and you're running Windows, OSX or Linux, I
(and you don't use encryption) then I can probably get access to all
your data and change your password.. It's not unique to Linux.

In some heavy use applications it's possible that encryption may degrade
the performance of the system. However for most 'average' users they
will not notice the difference. There are many articles online about
disk encryption performance.

-- 
Changing passwords without asking for the original one
https://bugs.launchpad.net/bugs/267086
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