You need additional money to buy a hardware wallet.
I've experience held ETH in Metamask for about 3 years, from 2018 until 2021, and never had a problem,
it depends on how you keep it, you only must guard your seed save from online. like me, After creating a wallet in 2018, I closed it, and open it again in 2021.
About bitcoin I never hold it for more than 1 year, I just keep it on electrum, and still save about a year.
You're safe until you make a major fuckup. Yes, you need to spend money to buy a hardware wallet, but a Ledger Nano S Plus is like $80 or something. Like, if you think that your bitcoin will be worth far more in the future, $80 is nothing unless you're currently holding something like $200 worth of coins.