Emacs

Hey! I use Cherrytree for journaling, but it has a few things I want to change, and lack a few things that I need. Plus, I'm worry about locking myself in one app, so I'm exploring the possibility of using Neovim or Emacs, but I'm aware there's a learning curve, and before investing time, I wanted to know if I'm using the right tool.

I need to do the following in a quick way:

1- Encrypt a whole folder, and acces it. This folder will keep other folders with pictures and text files.

2- Set a number of columns for the page, like 80 or 100.

3- Have a tree-like explorer on the left, to navigate the files with the entries.

4- Do bold, italics, and different colors.

5- Make an index or a different way to navigate the entries, besides the tree explorer.

6- Export everything in case I want to change the program I use to read my entries.

7- Inserting an image from a folder, like a picture I took. It can be a miniature to click and open the original picture.

Can Emacs do that?

Thanks!