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Just now my phone popped up a red dot saying "Wallet has a new login," and I was so startled I shook and clicked in, only to realize it was me who forgot to switch chains last night... Moments like this make me realize: security isn't about how many terms you can recite, it's about whether you can keep your assets safe even when you're panicked.
Honestly, for small daily amounts, a hardware wallet is enough, like keeping cash in your pocket but with a zipper; for slightly larger assets or long-term holdings, multi-signature is more like "you need two keys to open the door," it's troublesome but can prevent impulsive actions and phishing. I think social recovery is suitable for those who "fear losing the mnemonic more than being stolen," but only if you trust those few "friends/devices," otherwise, it could add risk if recovery fails.
Recently, L2s are arguing over TPS, fees, and subsidies, which is quite lively, but I'm more concerned about how you actually store your keys... No matter how fast the chain runs, one wrong authorization can make you suffer for half a month. Anyway, my current standard is simple: the larger your assets, the less you should treat "convenience" as the top priority.