Answer to my own question:doh:
Plan cryptography and encryption settings for Office 2013
"If you have to encrypt Office documents, we recommend that you save the documents as Open XML Format files (.docx, .xlsx, .pptx, and so on) instead of Office 97–2003 format (.doc, .xls, .ppt, and so on). The encryption that is used for binary documents (.doc, .xls, .ppt) uses RC4. It isn’t recommended, as discussed in Security Considerations sections 4.3.2 and 4.3.3 of the Office Document Cryptography Structure Specification. Documents that are saved in the older Office binary formats can only be encrypted by using RC4 to maintain compatibility with older versions of Office. AES, the default and recommended encryption algorithm, is used to encrypt Open XML Format files."
Though this does still leave me wondering how I am to save documents securely with macros, but I suppose the answer is simply that I am not.