The rule The best self-custody setup is the simplest one that adequately covers your threat model — not the most impressive, not the one a vendor recommends. The simplest one that defends against the risks you can actually name, that your future self can recover, that your heirs can inherit, and that you have actually tested.
More security isn’t better. Complexity is the single biggest cause of lost Bitcoin. Most people belong on the lower rungs and should stay there until a real reason pushes them up.