Hmm at first I would be leaning towards a mix between A + B. Where bigger funds are kept safe on a self custody wallet and smaller amounts used to generate some income (which can be added to A from time to time).

But… time is money and actively managing is an unfair ask, especially as you 3 are all US based which means taxes might come in play with B... So “keep it simple stupid” pick is A.

!DUO
!PIMP