The key with all of these options is education and limiting exposure to being rugged. I believe that’s where the majority of the arguments are made and it’s not so black and white. 

But just like everything in life, there are tradeoffs. Knowledge tackles emotions IMO. 


My Setup - 

WoS / Alby = Limited balance - fun tickets for Nostr (cash in my pocket for a night out)

Use case example : zapping on Nostr, buying a buddy a drink, etc

Zeus = Medium balance (debit card in my wallet / spending account) 

Use case example : Shopping online via Lightning Store

Cold Storage = Large balance (Savings Account) 

Use case example : storing wealth. 

Just my thoughts….