This morning I found that all my files were missing. I contacted Mark.Yikes!
I agree, even the "Subscribers can view and upload" setting ought to limit members to editing or deleting their own uploads. Only moderators should have the power to alter or delete other members' content.
That rule should apply uniformly to content in all areas, not just messages. Maybe Wiki pages are a special case, but they already need more comprehensive per-page access settings, IMO.
This is exactly why I asked to have settings available so that membersAgreed, except that it shouldn't require a separate setting - it should just be the rule.