Ofcourse I would use a hardware wallet, but if I store them all on 1 wallet and I lose the wallet, or the house gets on fire and it burns, then I have lost those coins forever? Or are there still ways to get to the coins somehow in that case?
Hardware wallets have recovery seed isn't it? You can just recover it if it somehow been damaged then buy a new one immediately and transfer it all to the next one. There is no need to have a lot of hardware wallets really but maybe you can do fine by 2. You could use the second wallet as a back up in case something might happen to the first one. The one that you need to think about is how to store your recovery seeds which the major rule is to never leave any traces on any digital devices meaning you need to write it in something physical and store it somewhere safe i.e. away from prying eyes and hands.