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XMR · 205w

Help me understand 'view-only wallet'

Hi there! I'm using the GUI wallet (v0.11). There's an option in Settings that allows you to create a view-only wallet. I get why that would be beneficial, but what happens if I want to spend my balance? Do I have to restore from the 25 word seed? Also, locally there are 3 files saved in my Monero folder: wallet, wallet.address.txt, and wallet.keys. What do each of these 3 files do, and which of these 3 files can I safely delete after having created a view-only wallet? Thanks for the help!
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