wallet.dat have too often rewritten, it have too big size, that make some inconvenience for backup and maintenance.
- wallet-private.dat: private key part file must contains only that information to give full access to wallet, now it can be only list of wallet addresses with its public and private keys
- wallet-cache.dat: other information (wallet account labels, comments, transaction cache and etc.) must be moved into second file. Most important information for this can be restored from blockchain and first private file with -rescan command line option p.s. also two different command line switches can be added to setup different locations for this files (i think private key wallet can be located on removable disk, and in future, for example, other device with api, similar Electrum client