Honestly, your assets aren’t big enough to be “sleepless,” so don’t let terms like multi-signature/social recovery scare you: I’d lean toward using a hardware wallet first—simple and brutal—at least so the private key isn’t constantly being shown on connected devices. When you start to split funds, use a few common addresses, or even manage money together with family/partners, then consider multi-signature. It’s really troublesome—yet when something goes wrong, it really can be a lifesaver. As for social recovery, I see it more as a “convenience that trades for a little uncertainty”: it’s suitable for a daily small vault, or for people who don’t want to memorize seed phrases. But you have to choose guardians you truly trust—otherwise you’re just moving the risk to somewhere else. Recently, people have once again been tightly tying ETF fund flows and US stock risk appetite to interpret market moves… to put it plainly, no matter how the outside mood swings, what really matters is how you set up your wallet permissions—whether you can make it through to the day the tide goes out.