What is the benefit of PIN + passphrase, when the HWW could keep the passphrase and you have a longer PIN instead? This means:

- You can store your passphrase more securely as you do not need to reach for it every time (just like your seed!)

- PIN attempt counters are more secure compared to a passphrase that is "convenient", as you can brute force passphrases without limit

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Because the value proposition of a passphrase is the separation from the seed. If the seed is found (i dunno like on a SeedQR you left laying around because you seem to have a blindspot about Seedsigners) then the Passphrase is the last line of defense.

I am not talking about backups, where you should have a passphrase or multisig.

I am talking about when you are using an HWW, why not store the passphrase on the HWW?

Please read my post.

Did. Read my other replies.