I used to think hardware wallets were the ultimate solution; just buy one and you're done.

Now, as asset volume increases, it's actually more critical to focus on "how to recover, how to prevent yourself from slipping up."
Using a hardware wallet for small daily transactions is quite convenient;
but when it reaches six figures (in other words, when you can't sleep at night),
I prefer multi-signature, even if it's more troublesome, because it can split up single-point errors.
I used to be somewhat resistant to social recovery, but now I think it's suitable for those who don't want to bother with backups,
but only if the "social" method you choose is reliable enough; otherwise, it's just a different way to gamble with human nature.

Recently, AI agents and automated trading have been quite popular,
many people are touting "fully automated on-chain interactions,"
but I care more about what permissions you'll ultimately have to give up and what messages you'll sign...
No matter how appealing the narrative, the signing step still needs to be carefully secured.
As for me: I split layers when I can,
small funds go into hot wallets for strategies,
large funds are multi-signed and kept safe,
that's how I handle it for now.