People really don't remember how bad things were before hardware wallets. Lots of hypothetical attacks that require access to hardware, but it's still MUCH better than how things were. We should keep improving, of course.

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Making changes to an existing setup is scary, and isn't without risk. But better to set multisig up, play around with it for a few months, and then move your funds to multisig cold storage. Takes time and effort!
My thoughts exactly. I always worry about the long term viability of hardware wallets. Multisig with passphrase combination seems like a good middle ground imo. Sparrow wallet checksum UI very helpful in this regard.