Hardware wallet is the best IMO and I've used only one of it but I'm already satisfied with its use. It may cost some money but that's just a portion of the amount that you'll be happy to get from using it for a very long time. I don't find that hassle whenever I try to confirm transactions every time I'll do. It's actually a good measure of security from doing so, I don't find myself thinking of it as something to be annoyed with or inconvenient just because it's like that.
It is but there are different bugets for people and they use it as they can
Yes, we've got our budgets for this and that's why someone has to save for him to be able to buy a hardware wallet. It may be hard for some but that's what it's costly.
The protection that it can give to you and to your fund is at its finest and that's why many are suggesting to buy it. Even before, I'm not convinced when people are talking about it.
But when I've given it a try and bought my own hardware wallet, that had made me worry free because I know that it's safe there and there's a need to verify each transaction being done from there.