1Password and the unlock file. Is anyone using this?

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What you're inclined to call a file, they are not. (As they wrote the software, I'm going to go with them on this.) They're intentionally vague about how they store it or where.

the Secret Key is stored securely on your devices, it’s not something you need to enter every time you unlock 1Password.

From: https://1passwordstatic.com/files/security/1password-white-paper.pdf

Locally exposed Secret Keys

Once a client is enrolled, it will store a copy of the Secret Key on the local device. Because the Secret Key must be used to derive the user’s AUK it cannot be encrypted by the same AUK or by any key that is directly or indirectly encrypted with the AUK. Depending on client and client platform the Secret Key may[3] be stored on the device using some of the protections offered by the operating system and may be lightly obfuscated. However, it should be assumed that an attacker who gains read access to the user’s disk will acquire the Secret Key.

[3] We are deliberately vague about this, as practice may change rapidly from version to version, including different behaviors on different operating system versions.