An example of keeping things simple is that instead of storing your Bitcoin in a multi signature wallet that you do not understand how it works or have no experience in setting up, store your Bitcoin in a soft like Electrum wallet where the process of setting up is pretty straight forward.
So high amount of money can be stored on online wallet? Wrong. If you can not go for multisig or wallet on an airgapped device, you can buy a hardware wallet.
To learn about what is not what is hard.