Securitylevel in advance to fiat

Coldcard was a shock for the whole community, now everybody thinks about how to improve their security setup. But lot of people doesn’t hold a retirement worthy stack of btc, so sooner or later the question comes around: when and what to do?

I would like to know, what would you recommend a beginner (small amount), intermediate and so on?
When does a reel good (expensive) steel wallet makes sense, when do you really need a passphrase or even a multisig? I mean it’s always an individual decision, but in my opinion in some cases you don’t need the max of the max when the security costs are higher than your stack.
Sure, if you hold 10btc the security should be at its max, but let’s be calm and touch some grass when does someone really need a multi vendor setup?

Happy to hear your borders!