Yes that's very true that its the right time to invest in Bitcoin as price of bitcoin is at its lowest compared to its price in last couple of months. There is no best time to invest in bitcoin other then right now. As far as saving in multiple wallets is concerned, I consider exchanges like binance as bet place to save bitcoin as chances of theft are rear in that case. I lost huge savings due to hack of my electrum wallet, since then I am saving my money in exchange.
Anytime is a good time to invest in bitcoin. It's just a matter of being consistent or not to invest in bitcoin. If you are investing long term then you need to save frequently. Use TA and FA to enter and exit the Bitcoin market.
Wherever you store your bitcoin assets there will still be dangers that can lurk. If you have saved in electrum and lost, it is your own fault. Because I also have bitcoins in my electrum wallet and I rarely open them. make sure your device and connection is secure and never give the private key to anyone else, keep it safe