So you say it is OK to create digital files backups on computers, and you are willing to take that risk?
Given the fact, that it is a cold storage (i.e. air-gapped computer), yes. There is practically no additional risk in the given scenario.
If operating system is Windows, it is not so hard for hackers to bypass or crack login,
and I am not sure most people password protect files (like I do) or encrypt hard drives.
My whole statement was referring to your scenario:
Safest way you can use Bitcoin core wallet is to install it on computer that is not connected to internet,
and as extra security measure, you should create strong login password and encrypt drive,
but most important thing is NOT to keep private key in digital format on that computer, rather use paper/metal backup.
As far as i can see:
- Offline computer (air-gapped)
- Encrypted hard drive
And with that, it doesn't matter if you have a text file containing the private keys / mnemonic code on this computer.
The wallet file itself is also stored there, containing this secret.
If hacker steals your computer, knowing that you have bitcoin wallet in there, he will do everything to extract information he needs.
Sure, but same applies to just a wallet file being stored there.
I don't see a practical scenario where a digital backup increases the risks (given that scenario with offline-storage and encrypted hard drive).