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 agree; while it's great for security to have a completely airgapped wallet, messing around with a microSD card is not a great user experience. If it comes to choices for newcomers, I tend to recommend something that works with their preferred hardware. Elderly people often use mostly a PC or laptop, so something like Trezor is perfect. Younger folks that tend to sometimes not even own a computer, obviously need something that can be interfaced with from the phone they have. So it can be USB (OTG) on Androids, QR codes on any phone with a camera or NFC for the latest devices that have NFC. I was about not to mention NFC though, since similarly to Bluetooth, it's not an interface I'd recommend using due to its hardware-based attack vectors.