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I mostly just use it for transfers. Though honestly, I would feel a little safer if my Pokemon were there. I think it's more likely that my 3DS would get stolen than stuff would disappear from the Pokebank.
I'm working on mine now. The only game I had going in was Black, so it's a long journey.
I've finished the regional dexes for X+Y, and am now playing through the back catalog. Finished up emerald, and am working on platinum.
Something I've learned from this is that I should definitely not be...
I nickname my pokemon after random english words... Gravity, Sockpuppet, Recant, Pertinent, etc.
My fear is always that I'll pick the same word twice without realizing it!
I used to not tip because, well, they're not real, but at a certain point I became either rich enough or guilty enough to start tipping the max amount. Not sure which :P