Recently, I keep seeing everyone staring at staking unlocks and token unlock calendars, shouting "It's going to crash," but honestly, if it really crashes and hits you, it's probably not the price fluctuation, but rather your wallet permission design being too careless, and a quick operation in a panic might send you out the door.

My rough judgment is to first look at the asset size and "whether you will often move it." Small amounts, frequent use, a hardware wallet is enough; the key is to treat your commonly used hot wallet as a change wallet, and not put everything into it. When the money grows larger, a single hardware wallet is actually a "single point of failure"; losing it, being forced to sign, or accidentally signing can be quite painful. At this point, multi-signature is more like insurance: sacrificing some operational convenience to prevent total loss at once. Social recovery I think is suitable for people who are "afraid of losing mnemonic phrases but too lazy to bother," but the premise is that the "friends/devices" you choose are not all in the same circle or on the same computer, or else it's just self-comfort.

Anyway, don't just look at the account balance; you need to clearly write down the friction you're willing to bear: an extra confirmation step, a slightly slower transaction, can reduce the chance of waking up to assets gone.