How is this determined? Just those three visible variables? I can't find a link with this explanation.

I just got my Ledger Nano S. Please correct me if I'm wrong, but this thing is not at all user-friendly. I'm fine with the setup, keywords, etc. and the display on the device, I like that, but once it is set up, why is there a separate app for each coin? Why do I have to go through MEW to transfer ERC20 tokens? Why do I have to go to ethplorer.io to look at what I have on the device?

Why isn't there a single app from Ledger that I can use to manage, or even just view, all the coins that I can store on the device?

It seems to be quite a big shortcoming for the top hardware wallet to have to depend on non-proprietary, third-party websites to access their best-selling device.

The whitepaper looks interesting, i.e. limited supply, but should long-term, faithful holders of XMR get ready to move everything over to XMV after a safe waiting/adjustment period?

Which has best potential for longevity?

I saw someone mention in a YouTube video that you could leverage in a bear market to minimize your losses or something like that. What is that? How can I do it? It seemed like they meant trading something that was experiencing a loss for something that was experiencing a bigger loss. For example, if Ripple is down 10% and Tron is down 30%, they seemed to say you should sell your Ripple for Tron and that would somehow mitgate your loss. Or the other way around? I didn't understand. They weren't talking about margin trading.