Oddbean new post about login | logout At the end it all comes down to a proper management with how you secure your seed phrase because if you loose your seed phrase kr someone gets access to it a hardware wallet brings you nothing at the end. The risk is much higher with a hardware wallet and I tell you that as someone who has spend hours over hours about this topic.
Then you have reached a conclusion that I haven't and we are at an impasse. The seed phrase issue is correct, but 100% irrelevant because it exists literally with every single option you go with. It's much easier to know you've secured it when its created entirely offline and never touched an internet connected device and has been properly backed up. But the issue is identical with or without a hardware wallet
Hardware keys are the only real practical way to have keys offline, which is always safer. And not just for Bitcoin, but in general for BYOK: certificates, passkeys, etc. We should always prefer keys we own and generate, with services only adding or removing trust from public key hashes. Trusting the key hardware and software, so long as it is open source, is no different from trusting your bitcoin node, wallet, nostr client or relay. The real problem is that the privacy situation today sucks. Everything is a cloud service accessed through an proprietary OS by one of a handful companies. Difficult to protect your data from being stolen, keys and all.