This is a pretty large gray area to range around in.

From my perspective:

Node
Sparrow
Noncustodial hotwallet
CashApp or Robosats
A hardware wallet

That's what I personally would consider the bare minimum. Some might consider a hotwallet and exchange method to be the only truly necessary parts but it just depends on what tradeoffs they're willing to take and how much they value ease of use versus privacy and/or security.