Play aroundwithh your cold card

.Be sure to do one transaction a month just to remember how to use it.

Be sure to set a distress pin or this could just be the normal wallet if you like. Keep between $500 and $1000 there for a $12 wrench attack.

The rest of your stack should be behind your passphrase wallet. It would be smart to have 1 passphrase wallet per bitcoin and during low fee times break up your utxo into .25 increments at different addresses. Never reuse an address. Hide the seed phrase, and passphrase seperatly

Have the locations of your recovery options in your will, as well as instructions on recovery for your beneficiaries.

If your stack gets larger than 1 btc, look into multisig with passphrases.