Regarding the 12 words from Koinify...
The import process does not sweep them into a new address. They are still valuable unless you actively send the factiods to a new address in your wallet.
do not publish them unless the balance shows zero when you do a "factom-cli balances"
At first that seems contradictory to your comment here:
If you receive factoids to your wallet (outside of the one from koinify), and delete the wallet, there is no recovery.
So if I import my Koinify factoids to a factom wallet and I don't transfer them from there, I can recover that wallet and my factoids with my 12 words and I don't need to back up the wallet?