The people who've assigned very large amounts of coins to single addresses, or even single outputs I think these people are insane. They are a lose cosmic ray away from all that coin being gone forever when they form a transaction and send all that change at once. Or some crazy glitch causes them to reuse a K value in a signing... private key is revealed... all that gone goes bye bye. etc.
What would you recommend as the best way to keep multiple wallets secure (from cosmic rays and thieves) which have multiple inputs and outputs? And what is the best way to conduct frequent audits to make sure that one still controls the coins?