A ledger wallet is mainly needed for a businessman or a conglomerate since they have to spend more or receive more money in fast, so the ledger wallet might helping them.
In fact, having ledger wallet will really help you to make more secure your bitcoin and altcoin. Most of the people who have a lot of bitcoin and altcoin prefer to use ledger or offline wallet because they it is safest and secure wallet. If you really want to protect your bitcoin and altcoin you should your password and private key in a safe place.