I just moved a small amount of money to a hardware wallet and suddenly understood: when assets are not large, the biggest fear isn't "on-chain hackers," but slipping up and forgetting. Hardware wallets are quite suitable for impulsive types like me; at least every time I sign, I have to press a few more times, which forces me to stay calm for a second. If your funds are already large enough that "losing them keeps you awake," then multi-signature is more reassuring, but honestly, it’s also more troublesome. Frequent transfers within a day can easily make you lazy out of boredom. I think social recovery is suitable for those afraid of losing their seed phrases, but only if you really trust those few people... Also, recently everyone has been complaining again about validators earning MEV and unfair ordering. I just see it as tuition: the less authorization, the better; if you lose out, just turn off your computer and go for a walk.