Thanks. My position on this... is that a long-term holder needs a blended 'defense in depth' against scams, fraud, or even violent crime against them.

Not talking about Bitcoin... or at least not 'their' Bitcoin. Not to mention, not having substantial amounts of Bitcoin at easy access or in a place where they could be "compelled" to access it.

Some people advocate for multisig for just this reason (I know you don't?) because that way it's not "all at one place" and keys have to accessed in multiple secure locations to spend funds.