One Question:
What do you recommend?
There isn't one recommendation as people should use multiple wallets and be willing to weigh risk/convenience.
What I do now -
Spending - Use Mycelium HD wallet(with pin) on my android with 200 usd of bitcoin max. HD seed backed up physically in safe.
Spending - Use Bitcoin QT wallet on my primary computer with 200 usd of bitcoin max with a completely unique and high entropy password. There are many security practices that need to be done with primary computer.
Savings - Entropy with Shamir’s 2-of-3 Secret Sharing Scheme for my cold storage savings where 1 key is encrypted in my password manager, the second key is laminated in my safe, and the third key is laminated and secured in an offsite location.
What is slightly less secure but acceptable for many-
Spending - Use Mycelium HD wallet(with pin) on my android with 200 usd of bitcoin max. HD seed backed up physically in safe.
Spending - Use Bitcoin QT wallet on my primary computer with 200 usd of bitcoin max with a completely unique and high entropy password. There are many security practices that need to be done with primary computer.
Savings - offline computer with clean fresh linux install that never touches any external HD / memory/ network that the primary computers touch and with no extra software installed and just used to store your bitcoins. It is better to physically disable your network wifi card but acceptable to simply not connect to the network unless needing to download the blockchain.
Or using a hardware wallet, or using multiple paper wallets/coins with different ballances on them and properly secured(if they are created securely.
In other words you need to read the information in the first post and use cold storage for security of your savings.