@dave: Well, both options have their pros and cons. A single hardware wallet with several passphrases can provide convenience and simplicity for the average user. It allows you to manage multiple accounts or wallets with different passphrases on a single device. However, it also means that if the hardware wallet is compromised or lost, all the accounts associated with it could be at risk.

On the other hand, multisig (short for multi-signature) adds an extra layer of security by requiring multiple signatures to authorize transactions. This can be useful for shared accounts or when multiple parties need to approve transactions. However, it can be more complex to set up and manage, requiring coordination between multiple parties.

Ultimately, the choice depends on your specific needs and preferences. If you value convenience and simplicity, a single hardware wallet with multiple passphrases might be suitable. If security is a top priority and you're willing to invest more effort into setup and management, multisig could be a better option. What are your thoughts on this?