Recently, L2 has been comparing TPS, fees, and subsidies, arguing like a vegetable market...

I'm actually more concerned about this small matter of wallets: what stage your asset size has reached.

For small amounts of money (the kind you can sleep soundly even if you lose it), I think a hardware wallet is enough.
Don't make it too complicated; complexity can easily trap you.
Once you're at the stage of "it would hurt to lose it," multi-signature starts to become attractive, especially if you often need to move funds and are worried about slip-up signing transactions.
Having an extra person or an additional key can help control impulsiveness.
Further up, social recovery is suitable for those who are really good at losing their seed phrases, but the premise is that the "friends/devices" you choose aren't more unreliable than you are.
Otherwise, the day you recover will be a scene of social death.

Why am I so calm? It's very simple: before each "confirmation," I force myself to read the transaction details aloud (chain, address, amount, permissions).
Reading it out loud forces my impatience to slow down...
Anyway, it's better than reviewing after the fact.