My biggest fear isn't losing money, but rather at the end of the year, flipping through transaction records and questioning my life.

Now my basic habit is: every time I make a large swap/rechain/claim an airdrop, I immediately save the txhash, time, wallet, and counterparty screenshots into the same folder, and casually note "Why did I do this?"
To put it simply, tax authorities don't want your feelings; they want an evidence chain.

I also look at on-chain data tools and tagging systems, but recently being criticized for "lagging/misleading" isn't without reason.
Some addresses are still marked as "unknown" today, but tomorrow they’re labeled as "exchange hot wallets," which messes up your reconciliation...
So I prefer to keep the original proof myself: on-chain browser links + exported CSV, and if necessary, note any abnormal gas spikes seen in pending transactions, so I can at least explain "what I saw at the time."
Anyway, for now, this way avoids going crazy at the end of the year.