Also, if you have 12BTC on a software wallet my advice inmediately changes to: Buy a hardware wallet NOW!
What's wrong with a software wallet? Mine is password protected, stored in a veracrypt volume, which is stored on my encrypted /home partition, and included in several backups stored in different air-gaped locations and only ever connected one at a time. (and most importantly, I'm not running a toy operating system.)
Well, you are describing it perfectly. I can have better security with my hardware wallet without needing any special security measures. I could even use it on "public" computer.
I say "better security" because no matter how many layers of encryption you may be using... at some time you would need your computer to access the wallet in "plaintext" to sign the transactions and that opens an attack vector.
It's much better to have the signing be done inside a specialized hardware....
Plus it is amazingly more convenient to use.
I have been saying this same thing for four years, but I would take it a step further. Easiest and best way to secure your Bitcoin is printing your address and putting two copies in different safe deposit boxes. Then return 10 years later a millionaire.
Software wallets for even moderately competent tech people are complete jokes: passwords, veracrypt?, home partition encrypted, multiple backups, air gapped storage, military grade cement vaults, across continents, different governing body, multi sig, documented access protocol, protocol encrypted, protocol stored in multiple backup locations......OMFG