Lately I've been thinking about wallets, honestly it's related to the asset size and whether you find it troublesome. For small amounts, I use hardware wallets + separate addresses for different purposes, so losing them wouldn't keep me awake; once the money grows, relying on a small USB drive for "single point" security makes me a bit nervous. Multi-signature is more suitable for truly large-scale assets; the process is cumbersome, but it helps distribute the risk of slip-ups, phishing, or even sudden internet outages at home. Social recovery I see as a "middle state," suitable for those who don't want to bother with multi-signature setups but are afraid of forgetting where they hid their seed phrases. (Don't ask, I've actually done it.) Recently, there's been a wave of news about compliance and taxes, and the inflow and outflow expectations have also stirred up my mindset. Anyway, I now prefer to keep the frequently used funds hot, and lock the rest more tightly—less touching means fewer issues.