Hi,
after around a year using bitcoin I still haven't figured out this wallet question.
From what I understood,
-keeping your funds on exchanges is a big no no.
-keeping your funds on any online device is never 100% safe.
-keeping your funds on cold storage is the only 100% safe way...

My problem is I understand cold storage like a paper wallet is not convenient if you move funds in and and out often.
So I think the only way to keep your funds 100% safe and accessible is a hardware wallet.

Is this correct or is there a 100% safe way to keep funds on a hot wallet? if yes which one?