Unpopular Opinion: It's not either/or between "not your keys not you coins" and third party custody

I understand and believe in the concept "not your keys not your coins" but it is way too much effort to be 100% in on that strategy and is actually riskier given the chance of losing wallet etc.

I hold about 60% of my btc in 2 hardware wallets, about 30% on the exchange, and now like 10% in paypal.

Since the paypal integration I have started selling a lot of stuff on ebay and it just goes straight to paypal where I can stack sats and feel great about it without making holding Bitcoin a part-time job.

Bitcoin is one of the greatest inventions ever. Make it work for you!