All of this comes down to particular use cases. Having some multi-sig setup with geographical separation of keys is fairly important. None of this requires anything other than probably Sparrow wallet and some time or if you want to get fancy, some signing devices, preferable not the same brand/model.

While some of the techniques are more complicated, nothing is inherently awful to understand about how to keep BTC. Which is yet another reason why I utterly detest lightning. heh