You got it wrong, it's safer to use hardware wallet, all you have to do is keep your private key safe and you are good to go, even if the wallet get damaged, with your private key you still get access to your coins
Every hardware wallet gives you a mnemonic phrase from which you can obtain the private key. While the private key is not exposed to the computer, hardware wallets themselves might be somehow vulnerable to seed extraction (
unfixable Trezor vulnerability).