Recently, I was asked again, "Should I get a hardware wallet?" Honestly, it depends on whether your current assets are worth worrying about every day.

I'm lazy about small experience tokens; just using a mobile wallet plus backing up the seed phrase is enough.
When it reaches the level of "losing it would keep me awake," a hardware wallet at least reduces the risk of slip-ups and being compromised.
Multi-signature is more like team or family finance; the process is complicated but gives peace of mind.
Restoring social connections is suitable for trustworthy circles; otherwise, it's like outsourcing risk to relationships.

I thought that the more I used on-chain tagging tools, the more secure I felt, but recently I saw people complaining about "lag and potential misguidance," and suddenly I think:
Don't put too much faith in any alerts; your permission structure is the real bottom line.
Anyway, I now think: if you can diversify, do so; don't treat a single key as your life.
That's all for now.