I didn't use Ledger before but what do you mean by saying you can manage more coins by using Electrum? Also, I never heard of the reward you are talking about!
50$ to 100$ for a secure and reliable hardware wallet isn't really expensive. A safe case to save your cash money and jewelry would cost much more.
Normally, you need external wallets to operate hardware wallets on computers. You can use electrum wallet to manage hardware wallets. But, ledger nano also have a special feature of Ledger live app that you can download to your phone and use it to manage the wallet instead.
If you use the ledger live app, you can store up to 23 cryptocurrencies. But using it on computers with desktop wallet like electrum can make you add more coins of your choice.