I never understood why people always think that hardware wallets are somehow the safest option. I think that they are anything but safe. Super easy to lose them, get stolen, or they could simply brake. But those are just my 2 cents ;)
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Unfortunately, I'll have to agree with you on this one.
In theory, hardware wallets are great and safe. But, in the real world where we live, I definitely wouldn't trust on me to keep a little drive safe if my life savings depended on it.