Recently, I've seen a bunch of people interpret ETF capital flows together with US stock risk appetite, making it seem like tomorrow's gains or losses can be predicted... I’ll start by thinking about "don't lose your coins."

Hardware wallets are quite suitable for assets that aren't too large yet, but you’re willing to remember the seed phrase yourself: the biggest risk isn't on-chain hackers, but yourself accidentally signing a strange authorization or installing fake plugins. Multi-signature is more like "lock + decentralization," when there's more money, I tend to get paranoid—at least do single signatures for daily small vaults, multi-sign for large transfers, and slow down transfers if needed. Social recovery sounds beautiful, but I’m pretty insecure about "finding friends as guardians"—relationships change, phones get replaced, and it’s all a trap unless you really practice it.

Which type suits me now?
Honestly, it depends on which kind of death you fear most: if you're afraid of losing your seed phrase, choose multi-signature/recovery; if you’re worried about being watched, don’t hand recovery over to others.