In the past couple of days, the group has been circulating screenshots about stablecoin regulation, reserve audits, and even claims about “de-pegging.” Honestly, after seeing too many of them, it starts to make me feel a bit… uneasy. Emotionally getting more panicked makes it easier to get careless with security.

Based on my own experience: your assets aren’t that large yet—mostly for daily interactions—so a hardware wallet is enough. The key is to treat the backup of the seed phrase as a serious task (don’t take photos, and don’t lose it in the cloud drive). When the amount grows to the point where you truly don’t want to lose a transaction due to a slip-up and have your mood completely fall apart, multi-signature is more reliable. The trade-off is that operations are more troublesome, and every transfer feels like going through a process.

Social recovery is suitable for people who are afraid of losing their paper wallet, but don’t want the complexity of multi-signature. However, you must choose a “recovery person” that you genuinely trust; otherwise, it’s just swapping the risk into a different shape.

Anyway, think it through first: what are you most likely to mess up—getting phished, losing it yourself, or needing your family to take over temporarily? Choosing a plan that you can actually carry out is more useful than arguing with people in the group.