[Q] Backup encrypted SD card files

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I recently had to hard reset my TP2 (but removed the SD card prior). After the reset I inserted my SD card hoping I could retrieve files saved there, but it turns out that neither my phone or PC no longer reads them because they're encrypted - but it's the same phone. I'm not clear why the same phone would not be able to read those files.

After looking through the forum and further research, it seems those files are just plain gone - or at least not able to be opened. Is that true? I could see them on my pc (through a card reader), but could not open them through the phone or pc. My company enforces the encryption on the phone and the card.

So my main question is this: How do I back up these files so that I can retrieve the data on them if I should be forced to do another hard reset? I downloaded some purchased games to the card, some cab files, and a little music. I'm mostly just concerned about the purchased files. If I just copy them to another folder on my PC, don't they remain encrypted?