Recently, I saw someone criticize on-chain data tools/tag systems as "too laggy and easily misleading," I can only say: don't treat tags as a talisman, when something really happens it will only tell you afterward "this address was blacklisted."

Back to the three life-saving tools: if you don't have much money and just want convenience, a hardware wallet is enough, provided you don't accidentally take a photo of your seed phrase and upload it to the cloud;
if your assets are growing and you start frequently cross-chain/interacting, multi-signature is more suitable, although more complicated but at least it's not "one key lost and it's over";
further up, or if your family members also need to be able to take over, social recovery is quite attractive, but don't choose friends who don't understand and love to confirm things as guardians, that can be deadly.
Anyway, don't just focus on "what's convenient for me now," but on "can I still survive if something goes wrong."