Curious - what do people feel is a good amount of BTC where you'd want to have at least one hardware wallet to protect it? Do you feel safer with a Secure Element and would you be willing to invest more in storing your keys with an SE?
There is no right answer to your first question, it should be in % of your money. Storing everything at one device regardless of its security is not the best method. The Secure Element part is also not of vital importance, because it is not as secure as you think.