I think it only gets complicated if you’re acquiring crypto assets from someone or an entity that isn’t regulated. Going through AML checks isn’t mandatory, but it does help minimize risks by ensuring the assets you acquire are clean, so I undertand your concern.

How about buying directly from an exchange? That’s a much easier and safer option IMO. You can deposit fiat, purchase crypto, and if you plan to hold it long-term, transfer it to your hardware wallet for added security. This way, you can be confident it’s safe because exchanges already have systems in place for regulatory compliance to ensure the coins in their platform are clean.