Thanks for the thoughts. I understand that crypto isn't currently being used for the day to day transactions but thinking about the possible future usage as that might be a big determining factor on the upside potential.
I've been planning on using the passphrase as an added security measure (25th word) so can you still use the two pin solution of multiple accounts? In the end I think I would probably just have a second wallet or as we mentioned use a hot wallet for smaller balances.
Is it a bad idea to use the same passphrase for multiple cold wallets? I'm thinking of perhaps hiding the seed words at home or in a safety deposit box and the passphrase (which I can memorize) in a second safety deposit box. Mainly thinking about my heirs and how they would retrieve the funds.