[creatonez]

This is the usual horseshit people say about this topic when they don't understand it. It's not just about encryption, but authentication (tamper-resistance). Your blog might not contain sensitive information, but if the entire website is intercepted and becomes malware, you're in trouble.

The bad news with FTP in particular is that only one request has to be intercepted and recorded to have persistent compromise, because the credentials are just a username and password transmitted in clear.