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As mentioned, I think you're right that the simple approach is totally fine for occasional use. The electrs setup would mainly be for those who want to increase their security, as it hides their balance from a potentially hacked main computer. It addresses a specific risk and is not something that everyone or even most people require.
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IMHO it doesn't really matter if you have 0.1BTC or 1000 BTC.
My question is why would I run it 24/7 if I use that wallet let's say only once per month to deposit some sats on it? btw for deposit only I don't even need the node at all , I need only a watch only xpub to generate each time a new address.
I think we are pushing too much stuff into people's mind, stuff that can be much simple.
I see useful a 24/7 Bitcoin node for:
If you just use it to broadcast once per month or even a week an onchain tx, you can just run it on a simple PC and sync it when is needed, do your tx and done, shut it down. Is not necessary anymore.