I used to think, "I only have a little bit of coins, why use a hardware wallet," but after one accidental authorization, my mindset completely shattered... Now I'm even lazier: small amounts are kept in hot wallets as change, and if I want to sleep peacefully, the main funds go into a hardware wallet, at least I’m less afraid of computer viruses. As assets grow larger, single signatures start to feel a bit insecure; multi-signature setups are more troublesome, but they turn "slip up once and everything's gone" into "it takes several mistakes to cause a problem." I've also tried social recovery, which feels like finding a few reliable people as backups—suitable for those afraid of losing mnemonic phrases but not wanting to bother, but only if you truly have "trustworthy people"... otherwise, it's better to just stick with multi-signature. Recently, I’ve seen the staking yields stacking and people criticizing it as a copycat scheme, and I just want to clarify permissions and signatures—earning profits can come later, don’t hand over your keys just for a little extra interest. Anyway, my current rule is: sleep when it's time, and don’t chase missed opportunities.