I've had funds on a ledger device for over 3 years now, prior to 2022 I had left assets on an exchange. I bought the Nano S + and wrote the seed phrase down on a piece of paper, sent some funds there, etc. To secure my seeds, I did something akin to Shamir's secret, with the copies of this in various locations that are quite secure/locked away. No photos or digital files of my seed, everything is on paper, though I've considered getting the metal engraving kit. I also have another device that I restored the seed to, so 2 ledger wallets that I can access my funds with. I've set random historical years as the PINs for these devices, so if someone were to get physical access to them it's not like it would be my date of birth, zip code or something they could take a guess at lol. BOTH devices were purchased directly from Ledger website itself.
I only have BTC AND Cardano on my ledger, which I stake through Yoroi. With the exception of the Midnight airdrop, I'm literally never having to sign contracts, like you see with a lot of XRP holders or other projects.
However, I did NOT set up a passphrase and wondering if this is something I should consider. When I see these stories of people losing funds I become paranoid and reevaluate my security measures so far.
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