however if you are willing to put the effort a regular wallet can be made to be incredibly secure, if you take the right steps.
Sometimes it is not what you use, but how you use what you have it that matters. Even people who can afford to have a hardware wallet are not still safe should they decide to become careless thinking that buying a hardware wallet is the final security one can have for their cryptocurrency. A person who uses an electrum wallet can be safer than someone using a hardware wallet. For security, consider developing a consciousness for security first before consideration of a wallet to complement it.
That's true, it is a big mistake to thing that you are safe no matter what you do, you should always be careful no matter how safe you think you are. I have seen plenty of people who got their ledger wallets emptied as well, not because of any mistake ledger made as a company, not because it was hacked into it or anything, but because they were stupid users and that will always be an issue.
If you use it like you should be using it then it would work and it would be a good thing but if you use it unlike how you should then it would be a trouble for you. This is even more true if you do not have a hardware wallet and store it somewhere that is not entirely safe.