Is not about the amount. Is about the user capabilities and knowledge how to use wallets and software. I explained in this guide all stages of how to level your stash in 3levels. https://darth-coin.github.io/beginner/be-your-own-bank-en.html
Ok, put it this way: newbies that want to acquire 5-10 bitcoin but don't have the skills to do so. What would you propose them as a solution that is secure but user friendly (not a lot of technical skills needed).
Would you propose them a singlesig or multisig? Would you advise them to make wallets on Tails USBs or to buy hw wallets from different vendors?
Would your advice be the same for 100 bitcoin?
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