It seems most bitcoiners prefer cold hardware wallets over online platforms but why is that? Considering platforms like coinbase are FDIC insured and have the best security in the business, it seems much riskier to try to secure my bitcoins on my own. I feel my house burning down or some other accident destroying my wallet is much more likely than losing it on Coinbase. And if there is a breach in coinbase, I get it back... so what am I missing?? While I’m not new to owning bitcoin, I am new to learning about it. So I apologize if this is an annoying newb question.
There is no much better than holding your own funds. Remember not your key not your coins. Though I see you have your worries, I think it is best to educate yourself first on how to secure your own wallet, but before then I think it is ok to use coinbase until such time you gained enough knowledge on securing your own wallet.