I've recently been struggling again with this wallet nonsense... my assets haven't reached the level where I need a bodyguard, but I also don't want to accidentally hand everything over to luck someday. Basically: for small daily amounts, I keep them in a hot wallet, so I can sleep even if I lose it; for slightly larger amounts, I use a hardware wallet + write down the seed phrase myself (I even make an extra copy and put it in a small metal box—troublesome but reassuring). When it comes to the amount that would make me lose my mind if lost, multi-signature is more reliable, but the management cost is really high. My obsessive-compulsive tendencies are okay with it, but people who hate hassle probably couldn't stick with it for a week. The social recovery option seems quite user-friendly, but you really have to trust those few people, or else "recovery" becomes "social death." Recently, everyone's been talking about rate cut expectations and the dollar index, which is causing risk assets to go haywire together... The more the market behaves like this, the less I want to rely on trading software passwords. I'd rather wait an extra 30 seconds for a hardware signature—slow is slow. Anyway, I plan to layer by amount, don’t put everything in the same pocket all at once.