Quote from: profullstack on Today at 02:52:12 AM

I would agree, but 1) its complicated [...]

There are several types of cold storage methods. Some of them are more and some are less complicated.
A hardware wallet for example is pretty straight forward and not complicated to use at all.

Quote from: profullstack on Today at 02:52:12 AM

[...] and 2) ledger keeps getting hacked. the keys are safe, but your personal data is all over the web (twice now in as many months).

Ledger is not the only hardware wallet available. There are other vendors to choose from.
Each hardware wallet has its pros and cons.