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Absolutely, positively, 100% this. No-one should ever be playing without a full character sheet with them. I'm not going to say that your player is a dirty stinking cheater, but I can't think of a way to finish this sentence...
Completely agreed. If I don't have a character sheet on file, the PC isn't being played. I require a copy e-mailed every level, so I can print one if someone's missing and a different player is going to fill in.
I trust my players, but we're all human and part of the DM's job is to know the game better than the players, to check for the "I thought this worked X way" situation.