Multisig or Single Sig with a passphrase?

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All the above. I’m too paranoid to have everything in one place

Single sig pass phrase is great for the majority imo but everyones situation is different but all way keep it simple more likely to lose your coin vs getting it stolen

Depends. But imo for most people single sig + passphrase is good enough for most.

Unchained has some awesome comparison articles.

Multisig