I think base chain via sparrow and a quality hardware signer would be perfect.
Discussion
Multi-sig? I was thinking custodial vie strike would be easiest bc then they have lightning for small tithes
Multi sig seems overkill to me. I think single sig + pass phase is plenty secure and not overly complex. Especially for newbs multi sig is too complicated.
Would be easy enough to have them use strike or river also for easy access to LN and an on/off ramp if needed.
Cold storage for long term savings. Custodial exchange account for everything else.