What is the biggest risk for your Bitcoin security according to you?

I see a lot of people talking about how they are using air-gapped SD cards, multi-signatures, multi-seedphrase backups, cold-starting Mk4s and many other extreme techniques to store and "secure" your tokens and private keys.

But I will be honest, I think the biggest risk most people have are:

1. Forgetting their passwords
2. Outsmarting themselves and making the recovery process impossible for themselves

I think the best thing to do for most people (including me) is:

1. Buy a good hardware wallet
2. Keeping one recovery phrase safe

What do YOU think?

[Although I enjoy a good laugh when someone comments a witty joke instead of a constructive conversation, I would really appreciate funny people to have fun in that specific r/funny subReddit. With due respect, I am looking for serious conversations with intellectually interesting people.]