Recently, I see friends still struggling with hardware wallets/multisig/social recovery, basically worrying about whether they can sleep well if they lose their assets once.

For small amounts, I personally use hardware wallets + backups written down and stored in two places, which is enough;
As my position grows and I start doing on-chain lending (with liquidation thresholds and all that), I prefer multisig, at least it prevents everything from being lost due to a slip-up or a computer virus, but the operations are indeed troublesome, signing feels like going through a process.
Social recovery is quite suitable for people who are “forgetful and afraid of mnemonic phrases,” but you need to truly trust those contacts, otherwise, if relationships change, it could become more awkward.
Recently, someone mentioned increased taxes and tighter compliance in certain regions, and I actually lean more towards dispersing authority; when deposits and withdrawals are uncertain, it helps keep a steady mindset…
Let’s see.