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?