Just got me new window device which I have downloaded the electrum window supported from the website, I am seeing about 4 different options, which are: standard wallet, wallet with 2-factor authentication, multi-signature wallet, import bitcoin address or private keys, among this option, is the best I would have loved to go for the 2 factors but it will require the use of other external devices.
If you are using your personal pc, you can just go with standard wallet option. But if your kids use your computer too you may require 2fa. However, it is not recommended to keep cryptos in such environments. I heard that
trustedcoin (the 2fa service used by electrum) is not free and charges you a small fee too.
If any one but you has access to your btc do not store your bitcoin on there. Someone else could get a virus or malware without you knowing and they could install a keylogger or something that can capture your keystrokes or screen and get into your wallet. I would only have a hot wallet on a computer that only I have access to other wise you could get your btc stolen because of someone else without you knowing.