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I agree with Keone. I set up my system very similarly.

Another key point I practice to help me choose a context is selecting the *most* appropriate one whenever there's a choice. For example, talking to my wife about picking something up at the grocery store could go in @phone or @wife. But in this case, the most important thing is that I talk to my wife, not the medium over which the conversation is held, so @wife is the better choice.