Recently, I've seen people compare RWA, certain U.S. bond yields, and on-chain yield products all together... Honestly, don't rush to pick the "higher" one first. Think about whether you can keep your private keys secure. No matter how attractive the returns are, if you authorize carelessly or store seed phrases haphazardly, in the end, you're just working for others.

My rough categorization: if your asset size is still small (it hurts to lose but not catastrophic), a hardware wallet is enough. Don't screenshot your seed phrase, don't treat signing as "the next step." Once your assets grow a bit, and you have family or partnership funds, multi-signature is more like a "brake," troublesome but can prevent single-point failures. Social recovery I think is suitable for those who are afraid of losing their keys but also afraid of trouble, but only if you choose trustworthy "friends," not those who change accounts every few days. My partner even teased me: "You'd rather study audit reports until midnight than clearly write down your emergency contacts..." Fine, you got me there. Anyway, practicing authorization management, backup, and recovery procedures is more practical than obsessing over which yield is higher.