it all depends on what are you comfortable with and how much crypto do you own. I bought Trezor wallet the moment i thought that it would hurt if i lost that btc.
hard wallets should be secure enough and not that hard to understand. now how will you keep your seed phrase safe is also a thing. Some people do some crazy things to store it, but they probably have at least few whole bitcoins and some maybe keep it on their desk :D

when you move it out of the exchanges the safety if all on you. And that is the great and scary thing :D

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