These days, I've been looking into the "yield stacking" of pledge/reward sharing security, feeling both excited and guilty at the same time. The more layers you add, the more risks accumulate... Basically, it's about first taking care of the safety measures. For assets that are not large, just daily transfers, I think a hardware wallet is enough—don't find it troublesome;

When assets start reaching the level where "I can't sleep without thinking about them," then use multi-signature, at least to prevent a single mistake from wiping everything out;
For higher levels or when family members are involved and worried about losing the seed phrase, social recovery is quite attractive, but only if you truly trust those "guardians," otherwise you're just passing the buck to others.
My mom asked me a couple of days ago, "Is your wallet like a bank card that you can report lost?" I said pretty much... but reporting lost requires you to arrange someone in advance.
Anyway, I sound pessimistic, but in practice, I split my main holdings into separate storage, use multi-signature + hardware layered security, so even if TVL drops further, I at least won't be driven to madness by my own mistakes.