I only take one note: assets haven't grown large enough to withstand a slip-up, so I first use a hardware wallet to secure my keys. When it really comes to managing money with others, I add multi-signature. If I worry about losing my keys someday and don't want to entrust my life to customer service, I choose social recovery—don't get distracted by L2's TPS and subsidy hype. Honestly, what you lose most isn't the transaction fee, but treating security as something to deal with "later."