Regarding hardware wallets: for me the jury's still out. I don't like being dependent on a hardware device in case something goes wrong with it.
Isn't your computer also a "hardware device"? What are you going to do when it dies? 
Let me guess, restore your wallet from your seed backup right?
Exactly like what you would do with a hardware wallet... Most (all?) of the hardware wallets use BIP39/44 compatible seeds and can be restored by most HD wallets... Unlike Electrum seeds... which are Electrum only
