Every couple years I loose some portion of some wallet and flip the fuck out.
I spent the last two day trying to figure out how to open a wallet I had an xpub for. (I figured it out, but not before flipping the fuck out.)
WAY more coins are lost to storage missteps than to theft.
Have a good and secure system. But prioritize accessibility. Don’t create some complex scheme that even you wont be able to figure out in a few years.
Keep
It
Simple
Stupid