Lately I've been thinking about wallets again, and honestly it still depends on your asset size and how afraid you are of trouble. I can understand putting small amounts in hot wallets for convenience, but once it reaches the level of “I won’t sleep if I lose it,” don’t skimp on hardware wallets, at least keep signing offline and separate from connected devices to feel more secure.

Beyond that, if you're already worried about “slipping up,” “getting phished,” or “what if I’m not around,” multi-signature is more like forcing you to slow down and verify, but the downside is that operations can be quite annoying, and with more on-chain interactions, it’s easy to forget a step.
I’m also looking into social recovery, which is suitable for people with average memory who are afraid of losing their seed phrases, but only if you truly trust those “contacts,” otherwise you’re just shifting the risk elsewhere.

Recently I saw everyone comparing RWA, US bond yields, and on-chain yield products all together. My first reaction was: the returns look similar, but the sources of risk are different…
Anyway, I’m now more concerned about “whether I can survive and get my principal back,” rather than a few tenths of a percent more.

My mom also asked me, “Is your wallet like a bank card where you can recover the password?”
I could only reply half-heartedly: most of the time… there’s really no customer service to turn to, so I’d rather go through a few more steps and avoid waking up to a cold sweat.
That’s all for now.