Yeah I'm with you, I think it might be wise to split your Bitcoin into different security models as you gain more insight and confidence, maybe you start stacking one your single sig as it gets bigger you progress to multi-sig
Or maybe even just have different signing devices that keep a certain amount, it might not just be for you to recover or access one day, but your loved ones and they might not have your guidance at the time, sigh being a bitcoiner is tiresome at times but we love it