absolutely not main savings account should be on a separate device from teh one you carry around... 5$ wrench attack, at least put fucking locked doors in front of the access to the device, and be careful with its network security cold storage is a separate thing, daily spending, sure, put that on a hot system, my personal recommendation is have something like an alby hub, which is moderately secure and hard to access where you have the bigger hot LN balance, and then you can zap easily to your mobile and browser (alby extension makes this pretty much seamless) multisig is not going to help for hot storage, at all, you only want that for long term and cold storage, with cold storage the inconvenience is a feature