The best way to keep your bitcoins safe, is to use a hardware wallet that have stronger cryptography that web wallets.
If you store your coins in exchanges you are most likely to lose them, because exchanges receive the most cyber attacks.
Even hardware are not completely safe if some damage occurs to the device with forgetting 25 words to restore old wallet with new device but it still best choice along with paper wallet . right now people fear the dump only because many bought bitcoin at high price .
That's why in addition to the hardware wallet you need to store your wallet on paper. Like a notebook. And better in two places.By the way now the Bank of America offers to store bitcoins from them.