I have never heard of a hardware wallet but NOW I REALLY want one.

Yes! You really do want a hardware wallet. Especially if you have over, say, 1 BTC. They are not that hard to learn to use (I am not a pro in BTC nor in computer science), I was able to figure how to use the two I own out (Trezor and Ledger Nano).
It looks like there are going to be a number of products before long. Already there are several, at different price points. I am looking forward to more hardware wallets coming.
And I cannot remember anyone having a really big problem with any of them (someone correct me if I am wrong).