Staking is cool, but anytime you have a hot wallet you run the risk of being hacked. The larger the wallet, the larger the risk, and the bigger the target painted on that account. If you look at all the exchanges that have been hacked, you can see why they keep the bulk of their funds in cold wallets. Don't get me wrong, if you follow basic security measures it is extremely unlikely you will lose any coins. But there is definitely more peace of mind in storing your funds offline.