Keep in mind that if you leave your phone unlocked and it is lost or stolen, a thief can do/access anything that you can on the phone that doesn't require its own separate password to run. This includes:
Buying apps in the market place
Accessing any web sites you have accessed and allowed the browser to save login information for.
View/change your calendar, contacts, email.
View data in any other app on the phone that doesn't have its own password.
So bottom line, you should lock your entire phone with a password (and at the moment the only consistently reliable way of doing that is through the built-in Android pattern lock option).
With the entire phone locked, you don't need to put passwords on individual apps.
If you keep any really sensitive data on the phone (e.g. credit card numbers, social security number), its a good idea to store them in an app that keeps them encrypted (e.g. SplashID) especially if they are stored on the sdcard (which can be removed from the phone and read directly by a computer or another phone).
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