It can be as complex/simple as you'd like. You could use a bip39 12 word seed with a blank passphrase (13th 'word'), and store thise in your head. But imo you should always add a 13/25th passphrase to make it harder to take your coins if someone stumbles on your 12 words. See this...
https://www.blockplate.com/blogs/blockplate/list-of-bip39-wallets-mnemonic-seed
Thank you for taking your time.
I am frustrated.
I have wasabi which is bip39 compatible. Just for the fun of trying I imported the seed phrase to the blue wallet. Also bip39. Surprisingly I can't see the balance.
I can imagine a scenario where in 10y I do have my magic words but e.g. Because wasabi is dead I cannot access my sats.
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