Using your keys
If you hold and stake TAO but do not mine or validate, you mostly use your coldkey.
You will still meet hotkeys. When you stake, you choose a validator by its hotkey, and your stake is recorded against it.
One coldkey can have many hotkeys, and both kinds of address start with 5. That is why it matters to send funds only to a coldkey address.
Keys can be replaced if you need to, but not instantly. Moving a wallet to a new coldkey takes 36,000 blocks, about 5 days, and costs a small fee. Plan ahead rather than waiting until you need it urgently.