These days I'm again struggling with wallet solutions. Honestly, it's still about the change in asset size and mindset... Hardware wallets are quite suitable for the stage where "I just hold it myself, don't bother me," the cost isn't high, and carrying it around feels secure, but you have to accept: if you really lose it or forget it, the blockchain won't sympathize with you. Multi-signature is more like adding a "cooling-off period" for yourself, requiring an extra confirmation for large transfers, suitable when your money starts to keep you awake at night; the downside is also obvious—configuration is complicated, and with more signers, communication can easily get stuck. I think social recovery is more like a daily compromise, suitable for those who don't want to carry a bunch of seed phrases and are afraid they might short-circuit someday, but the "friends/device/service" chain also needs to be carefully considered to see who is most likely to drop the ball.

What I fear most isn't losing money, but treating security as psychological comfort, only to find out at critical moments that I haven't done proper cross-verification. Recently, I've been watching the inflation + studio + coin price spiral in blockchain games, which is actually the same mirror ball: everyone is betting that others will run first, but in the end, no one can escape. Anyway, my current approach is to play around with small amounts in hot wallets freely, and for large amounts, use multi-signature + hardware wallets stored separately, just like this for now.