Eh, I just have two bank accounts and only keep a few hundred in the one I use for debit card payments/withdrawals. If I need more, my smartphone app is right there.
Ah... this is a good benefit to having multiple accounts. I am always confused by those with only one bank account. My current account never goes above 2K, mostly sitting at around a few hundred. This gives me a perpetual feeling of not having very much money, so I don't spend too much.
If you've got some armed psychopath (or maybe more than 1) holding a weapon to you or threatening you on a dark night your probably not going to be thinking rationally.
All sorts of stuff is going through your head like "should I use the duress PIN?" , "can I remember the duress PIN?" , "will they know if I use it?" , "how could they know?" , "What if they somehow DO know, is it worth the risk?"