depend on how much the fund that we are talking here , because for example if we are talking about 0.001 bitcoin here? why bother splitting the amount right? but if you are having at least 0.1 bitcoin or above? then splitting them is best for me, and targeting multi wallet?
then I have electrum , i also have ledger wallet , and some local wallets that i keep small amount of bitcoin for emergency sake , so it is not just 2 wallets but literally multiple .
I've saved 1 bitcoin in my wallet, I'm sure bitcoin will rise, right now it's very appropriate to invest in bitcoin because the price is going down, don't waste this golden opportunity to change your destiny in the future.
OP is asking for multiple wallets , in which that mean they are spreading their coins in safety positioning .