Im gonna buy a ledger but i still want to.spread the risk among some other wallets. Problem is most now apart frrom core uses a 12 word passphrase. Problem is John Mcafee says millions of phones and computers have keyloggers so they can take photo.and send your passphrase quite easily.
Is this a serious risk?
How to use a wallet that solves this?
I would definitely take the dangers of keyloggers seriously.
That's why you get a hardware wallet such as the ledger in the first place. I'm not sure how much sense it makes to spread the risk among other wallets. I know Trezor supports multiple passphrases (leading to multiple accounts), Ledger should be able to do that as well. In the end that should be all the security you'll ever need.
Just don't forget to keep your seed phrase backup offline, on paper. Make a second seed phrase paper backup, stored in another, secure location. Then there's nothing you need to worry about (well, apart from the whole lot of other things that get compromised if you happen to have a keylogger on your system, that is).