As a layman and self-taught, I would like to quote you :
“As a final note, I could go for a coldcard Q4, a passport and a #seedsigner for a multi sig setup.”
I think you answered yourself with the best possible answer in my opinion.
yeah? you think thats an optimal setup? Lots of good choices out there, probably. Those three stand out though, I think.
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Well, I think this is a minimum basis.
Then there are other things around security you can read a lot here on #nostr