If I have to choose between careless with a ledger tied around my neck or a phone with seedvault written on it, I’ll choose paranoia 😂

Totally agree with you that not everything should be in the same place. So a spending/zap wallet on the phone makes sense. Between having WoS on my phone, and the Apple logo on it, OR a perfectly integrated signing device on my phone, with seedvault written on the back…