Yep, but also personal conditions bring their own complexity you have to respond to. Heirs for example.

A self-custody set-up designed for recovery by others, while also not being vulnerable to others, is always going to be more complex than a beneficiary record at a large institution.

Borrowing against an ETF is less tax-complex than hedging/tax-avoidance strategies when you have yet another problem being liquid solves.

I hate the word nuance, most of the time it's cover for pussy-footing around inconvenient truths, but if we're being prescriptive on solutions there's no way around it.