yes you are right, if the hardware wallet broken, you will lose all of your bitcoin, so there are many people that use hardware wallet for investing in a very very long time, so they dont use it everyday, and every time,
if you want to use it everytime i think the software wallet is a better choice than hardware wallet
Not true you are not losing anything
Well I also agree that this is not true, --hardware wallet is the safest wallet among them all.
If in case your hardware wallet was broken and cannot be used, just buy another hardware wallet and transfer your seed there. As long as your private key is safe, your hardware wallet can be recoverable anytime. So, the most important thing is your private key, just make sure it keeps it safe and store it in a safe place where no one knows except you.