Layered protection is always the best. Like 2fa but in this case even better. If one wallet gets compromised it will be only a percentage lost rather than everything. But as you said, if you have 20 wallets with 10k HIVE, you are much safer (in terms of being a target), than one wallet with 200k HIVE.
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Yes. To go after 20 wallets is a hassle and the payoff for each isnt there.
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