I ended up using BlueWallet on Mac. It work quite well, once you figured out the where the tools menu was. Their instructional video was more focused on how fast the dev person could do it, pretending to make it look easy.
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Exactly, been there.
Bluewallet is how I managed to recover my nearly lost sats.
The best UX I can think of, is a two part device - a secure/trust interface device that you can plug into any UBS and some sort of ‘key’ that you plug into said device. Swapping around min SD cards is just too hard for folks.