An investor's priority should be to ensure security. Many alternatives are offered, but your priority should be your safety. So don't risk your safety to be more comfortable.
The safest option is to keep your money in a hardware wallet.
I don't know how many bitcoin the OP has so he doesn't consider a hardware wallet one of the safest wallets. But if the OP has $10K - $20K more in bitcoin right now then not having a hardware wallet certainly doesn't make sense. It might be worth saving it in Electrum if it's not much, but it's not recommended to keep it on a device that's always connected to the internet like an android or whatever.
In addition to the advantages of asset security, hardware wallets also support altcoin like USDT, ETH or more, which makes it easy for users to have only 1 piece of hardware to store multiple assets.