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.
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.