1. I read that never store all your coins in one wallet. So wts the solution? should I install two electrum standalone wallets and store my coins in both of them?
Having 2 wallets in the same place is also not good. It's better to have a hardware wallet as another wallet so it will be 1 hardware wallet and 1 app wallet or you can just go for 2 hardware wallets and just carry one of them.
Don't let your private keys and seed discovered by someone else. You need both of them to be secured.