As cons for using /mnt/secure/dictionaries, it is not generally accessible on older (pre-Touch) devices with old versions of the firmware (you need root permissions), and you can't access it via the USB interface. Also, if you buy a lot of dictionaries via PB's website (does anyone?), you'll want to leave free space in /mnt/secure/dictionaries for them when the system installs them there. These are not very strong reasons, though.
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