I've been playing around with Muun, Pheonix and WoS.

WoS is the easiest to use and works really well. It is my favorite of the three.

The way I see it, it is like having cash in my wallet. I carry enough to be able to make small purchases. If someone steals it, it'll suck, but it won't be the end of the world. If WoS rugs me, then I won't lose sleep over it.