Recently, I saw someone criticize on-chain data tools/tag systems as "too laggy and easily misled." I can only say: don't treat tags as a shield; if something really happens, it will only tell you afterward, "This address was blacklisted."

Back to the three essentials for safety: if you don't have much money and just want convenience, a hardware wallet is enough—just make sure you don't accidentally take a photo of your seed phrase and upload it online;
If your assets are growing and you're starting to frequently cross-chain/interact, multi-signature is more suitable—it's more troublesome but at least not "lose everything if one key is lost";
For higher levels, or if your family members also need to be able to take over, social recovery is quite handy—just don't choose friends who don't understand and love to click confirm, as that can be deadly.
Anyway, don't just focus on "it's convenient now," but on "can I still survive if something goes wrong."