Multisig for any significant amount whatever that means to you. nostr:npub1casacasahesdrpu6npfth2t0ae37a2cdwwg3c4fkt30v7gzffx3q7wtzdc 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 start...

I like the nostr:npub16s4cnphx2k7ndmlt9qmurkdrrulcammg3jxnz0f9c7dhepqg38zqpp4p24 wallet paired with nostr:npub1cvqlzvmjercdn0ypsmv8f7j9lge6ahsnueh5rparh53wuswftv4q49yjt3 so that I have access to it all on mobile. Open sourced, good size device, QR code simplicity and has a #bitcoin only mode