Lately, I've seen everyone arguing about which L2 has higher TPS, lower fees, and more aggressive subsidies.

Actually, for someone like me who thinks in terms of product design, I first want to clarify: "How do I actually recover my money?"
Different asset scales mean that wallet solutions shouldn't be one-size-fits-all.

For small amounts used daily: hardware wallets are sufficient, they feel smooth, and if lost, you rely on the seed phrase (but honestly, managing seed phrases is the real challenge).
When assets grow a bit: multi-signature feels more like a "process," breaking down transfers into approvals from multiple people/multiple devices—troublesome but reassuring, suitable for those who don't want a single point of failure.
Further up or for family members to also have a safety net: social recovery is quite similar to "password recovery," choosing a few people as guardians, providing a good experience but ensuring these people are truly reliable, and not all in the same social circle to avoid a total wipeout.

My current approach is: daily hot wallet + hardware, multi-signature for a small vault, and social recovery as a backup...
What about you?