With the hardware wallets, if you lose the usb wallet, then you are screwed, right?
Hardware wallets are not working like a usual wallet in our pocket where we stored our fiat money and in the event of loss, it's loss!
If the hardware wallet is lost, damaged, stolen, forgotten, trash, destroy, or any forms of worst experience it got, you can always access your funds thru a master seed. Always follow the instructions on your first installation or accessing the hardware wallet for the first time. It will save you.