I honestly could fit on 1, 2 and 3 because depending on the need I'll use different approach. At the same time, I'm not worried about loosing some sats if SN change architecture, or I lose access to it.

Also fully supporting @DarthCoin opinion here 👆👇

I believe that it is important to remember that there's no one solution that fits all... It will be impossible to build and also damn hard to satisfy all these users together.

An ideal wallet will be offering options that satisfy all these needs, so if I'm 3 I just want to access the wallet and do whatever I need to do. Same if I'm 1 and want to fully run on non-custodial, please let me just add connect to my one... and I'm 2, why it should not give me the option to use multiple wallets, aggregate existing ones and multisig with others?