Recently, I've seen everyone complaining about validators/miners taking MEV, unfair ordering, and so on.

Honestly, even if the chain is made "public," it doesn't mean you can outcompete them…
I, who often get my candlestick charts wrong, will prioritize "don't lose your coins" first.

My rough categorization now is:
For small amounts of money, don't bother with multi-signature; hardware wallets + good backups (really, no screenshots) are enough for me to sleep peacefully;
For assets that are a bit larger and need frequent use, multi-signature is quite appealing, but the more signers/devices involved, the easier it is to mess up the process;
If you're really worried about losing your seed phrase and also worried that family members can't handle it, you can consider social recovery—feels more like "personal insurance," but you need to choose trustworthy people, or it could become another pitfall.

I'm going to reinitialize my hardware wallet and also move my backup paper to a more reliable place. That's all for now.