Recently, everyone has been talking about hardware wallets/multisig/social recovery, basically meaning "how low are you willing to reduce the probability of screwing yourself over" and "how much trouble are you willing to go through for this." I can understand if it's small amounts and for convenience; a hardware wallet is enough, just don't do basic things like taking a photo of your seed phrase and uploading it to the cloud.

For slightly larger assets, multisig is more like splitting the risk: you have to admit that you might slip up, lose your device, or fall for phishing, and then use two keys to check each other, but the cost is that every transfer takes an extra step, which is especially annoying in urgent situations.
Social recovery sounds very appealing, suitable for those who don't want to fight themselves, but you need to carefully choose the "guardians," or else that recovery step becomes a matter of personal relationships and trust assumptions...
To turn the corner, the modular and DA layer development approach excites developers immensely, but it's normal for users to be confused. Ultimately, it still comes down to whether the pain of losing money once is worth making the process more complicated.
Anyway, my current principle is: the more you can't sleep over the amount, the less you should expect "I won't make mistakes."