If you're serious about holding BTC long-term and want your family to be able to access it no matter what, hardware wallets are usually the best mix of security and practicality.

Software wallets are handy but not as safe for big holdings. Paper wallets are old-school and risky if lost or damaged. Exchange wallets are convenient but *never* a good idea for large amounts — you don’t control the keys, so it’s not really *your* bitcoin if it's there.

Go with a solid hardware wallet like a BitBox or Coldcard, and make sure to store the recovery phrase somewhere safe but accessible. Teach your wife how it works too — peace of mind is worth the small learning curve.