Personally like putting a small amount on main wallet and setting up a passphrase wallet (on same seed) where majority of funds are kept. I have a long complex passphrase both memorized and on steel in a separate location from hardware wallet and seed. To get to the big stash, the passphrase would need to be entered into the hardware wallet. If seed is in some way cracked and small stash was moved, this would alert me before large stash was gone. I am skeptical about all the different ideas in regard to a $5 wrench attack and think a savvy thief might just make you show your Sparrow wallet (for example) to show your different wallets.