if you don't want to buy a hardware wallet and you aren't comfortable with using a service like Coinbase Vault...
I guess you don't know jerry0 that well from all his posts in the recent years. jerry0 owns a Nano S. He owned one in the past as well, but its screen broke so he bought a new one. Check the hardware wallet section to learn more. There are dozens of posts and threads by him about passphrases, hidden accounts, Ledger Live, storing recovery phrases, etc. He doesn't need Coinbase Vault, he stores his seed on a password manager.
And yeah I almost forgot... any suggestions you make, will come back to slap you in the face because it's not going to change anything.