Multisig for any significant amount whatever that means to you. @Casa has worked well for me, and is no KYC. Unchained similar but KYC. Think shared multisig with a custodian like these two is best/easiest, especially when getting started. Makes it idiot proof.

@npub1tcnvk... Bitkey is also great, has some trade offs but IMO an improvement over singlesig for sure, and incredibly idiot proof.