Given your use case, i.e. daily expenses, both Electrum wallet & Hardware wallet will provide same level of security.

Why?

Because, your Hardware wallet is not airgapped. Every now & then you'll have to connect it to the internet.

Why?

Because, first your Hardware wallet needs to update its UTXO set to create a transaction. This requires connection to the internet. Signing can be done offline. Broadcasting can also be done by copying the signed transaction to mobile/laptop. Though, it would often expose it to an internet connected device.

So, unless you are storing your fund on an airgapped Hardware wallet, your are as secured as an Electrum wallet user.