Honestly, at my current scale, a hardware wallet is sufficient. I haven't touched multisig or social recovery yet. Not that I don't want to—it's just too much trouble: multisig feels like a meeting every time you transfer, and with social recovery, I agonize over which guardian to pick. I'm more afraid of picking the wrong person than losing my private key.

With ETF money flowing in and out, and crypto swaying whenever U.S. stocks twitch, I feel the simple approach is more stable at times like this. Complex tools are there to back you up, not to add stress. I'll upgrade when I really reach that scale. For now, this is fine.