Ok but to the question “cold storage” can just simply be: coldcard or ledger or latest trezors and that’s it. You may not need a third party controlling your funds if you are just a single person right?

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Everything is a trade off. I believe multisig offers some good ones. No doubt I will change approach in future and constantly reassess.

And no third party has access to my funds but they can help me access my funds if I fuck up.