Multisig for any significant amount whatever that means to you. nostr:npub1casacasahesdrpu6npfth2t0ae37a2cdwwg3c4fkt30v7gzffx3q7wtzdc has worked well for me, and is no KYC. Unchained similar but KYC. Think shared multisig with a custodian like these two is best/easiest, especially when getting started. Makes it idiot proof.

nostr:npub1tcnvkw8fu29zspw54tuhfrk0tkzn6qdupmc45slt4zmase3dzqask6ctu0 Bitkey is also great, has some trade offs but IMO an improvement over singlesig for sure, and incredibly idiot proof.