Recently, people around me have been talking about whether hardware wallets are just a scam for smart people... I think it depends on the asset size. For a few thousand dollars, honestly, just use a phone + a good password manager as a first step, avoid clicking authorize everywhere; when your concern shifts to regional tax increases or compliance changes causing deposit and withdrawal issues, then don’t force it. At least a hardware wallet can block half of the risk of “being phished and instantly emptied.”

For larger amounts, I actually recommend multi-signature / social recovery, don’t put your life on a single seed phrase. Multi-signature is a bit more complicated, but it can save your life if something goes wrong. A few days ago, I saw a new project contract where the owner can change the fee, LP isn’t locked, and the team wallet was still at 0x7c…f12c, transferring in batches late at night. If you keep this in a hot wallet, you’re just waiting to pay tuition fees. Anyway, my current approach is: small daily hot wallets, long-term holdings in hardware wallets, multi-signature for the “night owl” part. That’s it for now.