Come on! Hardware wallet anytime any day. Private key is stored directly in the device while you can still back up your seed in case you misplace it, while having high level of security since it is encrypted with pin, no issue with viruses, you can have multiple cryptocurrencies and ERC20 tokens easily, you can easily make transactions with them since you easily can link them with a desktop wallet like electrum or the hardware wallet app, so what else would anyone need and as far as I am concerned, even though it comes with a price, it is worth it.