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My current idea is pretty simple: small amounts are still being used for interactions everywhere, so a hardware wallet is enough for now; once assets increase and you start feeling uneasy, multi-signature is more secure; if you really don't want to hassle long-term and are worried about losing, social recovery can be considered, but only if you trust those few people.
Hardware wallets are still out of stock lately… what's more annoying is that phishing links are everywhere, honestly, no matter how expensive your wallet is, a single wrong click is useless. I personally use hot wallets for tasks, and only treat the hardware wallet as a "vault," taking a moment before signing to check the domain and authorization scope, even if it means missing out on a task.
Multi-signature is suitable for those who are willing to take a few extra steps for peace of mind, especially when assets cross a threshold where you start feeling noticeably anxious; the downside is that operations are complicated, and if you need to use money temporarily, you'll curse. Social recovery sounds great, but the costs of human relationships and trust are real costs too—don't risk leaving future yourself to handle the danger just to save trouble… for now, that's it. Tonight, I’ll keep working the night shift to verify task authenticity.