Definitely I know we talk about cold wallet. My point is that it's not necessary to take very strict measures if you don't plan to hold it for a very long-term or if you don't plan to hold much bitcoin, that's why I am saying that most people who say that they want cold wallet, will safely keep their funds with hot wallet which happens to be offline at the moment.
Your points are very correct, but you should know that sometimes some people do not plan exactly how long they want to hold, they just start and see what happens, and "much BTC" is subjective, what could you or o_e_l_e_o could afford to lose, may not be what i can for example. And 0.01 BTC may not be so much now, but a hypothetical situation BTC rises to 100k usd in the future, and it now worths something.
So i will think the best thing to do if one cannot get a hardware wallet is to have two wallets on different devices, one a cold storage in all the true senses and the other a hot wallet, it does not matter how long they want to hold the BTC that's in the cold storage, or if they start with 0.001 BTC, but just so they know they have a completely airgapped device that hold their BTC and less chances of vulnerabilities, they can always send funds into cold storage whenever they like, and in the future they could have an attractive portfolio that's safe in their custody.