BTC transactions can be expensive especially when the price is too high. As long as it is kept in a secured wallet like ledger it doesn't matter if you will keep it in just one wallet as long as your funds are secured. Keeping it in several wallets will not secure your funds if you are planning to put it in a non-custodial wallet, as long as you have your private keys you secure your funds. You don't have to do extra work or even pay extra transaction fees by distributing your BTC to different wallets for security.