ColdCard feels to me to be idiot proof, but there will always be someone who can come along and screw up a process that should be impossible to screw up.
Pmalek is correct in the fact that if you have your seed you should be fine. But the time and effort and stress in recovering is a thing as is the expense of buying a new wallet.
Not sure I agree. I think ColdCard is probably one of the more difficult hardware wallets to get a grasp out there. I'd say the Trezor is probably the most user friendlier, especially since they've added the Trezor Suite. Although, personally I do think ColdCard is probably the best option out there for security features, unfortunately that usually does come with added complexity, which I do believe is the case here.
I have 2 HW wallets, one I use for my warm funds, that one is up to date. One is for long term cold storage, not updated or plugged in for a couple of years now.
For the latter, in my mind it would just be a better idea to use Bitcoin Core as a offline wallet. Although, I guess you'll have to download, and verify core, and get it on the machine, so I'm not saying its a terrible idea by any means. However, some hardware wallets have physical threats, that a Bitcoin Core won't necessarily have.