Actually, everyone understands that once you've lost your seed phrase/phone/computer, you don't mind spending money on security.

My current approach is pretty simple: small amounts use a hardware wallet, at most with a backup card;
for amounts where you're afraid of liquidation even while sleeping, don't rely on a single point of failure, go for multi-signature—yourself + another device + a trusted person (but not someone under the same roof...).
For social recovery, I only keep a small vault for daily use—convenient, really convenient—but I’m worried that my impulsiveness might get me tricked by a "social engineering" scam someday.
Recently, staking unlocks and unlock calendars are being spammed every day, everyone is anxious and stressed.
My approach is: the more volatile the position, the more permissions are dispersed—don't let a single slip-up waste an entire year's effort.
That's all for now.