Recently, I saw new L1/L2 projects launch incentives that immediately boosted TVL, and old users in the group complained "mining, selling."

As I watched, I felt guilty: honestly, where the assets are stored is the real issue.
Small amounts, I used to be fine with just a hardware wallet; plugging it in and confirming felt secure.
But when the amounts grow, the biggest fear isn't hackers, but me waking up in the middle of the night, trembling and making a mistake, or forgetting where I put the seed phrase someday...

Multi-signature is a lifesaver for impulsive people like me, adding a "must wait" threshold for myself.
Even just keeping one key at home and one at the office can prevent many reckless midnight operations.
But multi-signature is also troublesome; in urgent transfers, I might end up scolding myself.
Social recovery sounds suitable for people who are afraid of losing, but I worry about complicating trust relationships—what if the person I trust also turns bad?

Anyway, my current approach is: if I can avoid making single-point decisions, I won't do it.
Next time, I plan to switch the main wallet to multi-signature, keep small amounts in hardware wallets.
How do you divide "how much needs upgraded security levels"?