.25 btc isn’t 3x my monthly expenses tho.
So what did you mean by this then? 
Discussion
I mean you shouldn’t spend time worrying about the safety/security of a stack that can be easily (or relatively easily) replaced out of current earnings. More important to focus on an acquisition plan than being terrified about security.
This is counter intuitive to the nature & design of bitcoin tho.
But I will agree that a trade off in security can be fine for small amounts.
It really just depends on use case per user