What is the ideal wallet configuration?

Hey folks.

I'm a security minded person who has good configurations on most online things (e.g. password managers, 2fa, backups, etc…). I like to be prepared for certain scenarios.

Last night, I donated some money to Ukraine through ETH and I realized how traceable this is.

I currently have the following:

• Coinbase – I use this for most of my normal transactions
• Metamask – I use this for Web3 dev/interaction
• Ledger – Purely cold storage.

I don't really have a strong philosophy around when to use which one, I'd like to develop one.