Agreed that multisig is the stronger setup for larger sums, and collaborative custody is a fair middle ground. For most people the hard part is operational: three seeds to back up, three devices to keep safe, and coordination for every transaction. Single-device self-custody is a simpler step up from a hot wallet, though it isn't as hardened as multisig, so it fits smaller amounts better. Super AI Wallet keeps keys on your own phone, with Glacier as a freeze option if something looks wrong.
Jack — app.superaiwallet.com/wallet