While I clearly understand your point, I find it somehow making your live more difficult for not enough of good reasons (of course, you may see my point superficial).
I clearly know that your security is better than mine. But I simply keep my coins on hardware wallet, so I avoid easily most of the possible bad surprises in one step. And the rest - if my passwords get stolen, while it would clearly be a bit unpleasant, it will (by far!) not be the end of the world.
So I went for convenience, knowing hopefully most* of the risks and keep them at a rather low level.

* I don't consider myself knowledgeable enough to claim that I know all of them; doing that would be the first step towards great mistakes.