Saw this guy's story on CNN.  Says he had 10 password tries remember, and he's already used 8.  If he guesses wrong 2 more times, the drive will destroy the data and his key will be lost forever... man.  That must suck.  

But it does bring up a point that there is not really a 100% safe and secure way to store your coins.  Putting your 12 words in a safe probably works 99% of the time, but there could be a fire, theft, etc ... heck, the wife might just throw it away one day ... who knows...

Hardware wallets actually seem less secure to me.  In addition to having it stolen or destroyed, or just the software getting corrupted ... forgetting your password adds an additional layer of things that can go wrong.  I guess some hardware wallets allow you to print your key, in case it's lost or stolen, but that defeats the purpose of the hardware wallet, because you now are no more secure than if you had just printed your key in the first place.