1 & 2

Also I keep some on lightning

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Discussion

You think multisig is overkill for an average pleb?

Yes. I think multi sign is overkill for most people that are not publicly talking about Bitcoin if nobody knows you have Bitcoin that's better for most people. I mean everyone will take the protective measures they seem necessary. Someone with over 10 BTC probably should use multisig even if they're a nym. But most people won't get to be whole coiners let alone multicoiners. For most of us it makes more sense to have multiple keys and decoy keys instead of one complicated honeypot

Sounds very reasonable 🙏