It's not really, it depends on you. there are some people who even lost their Bitcoin save in their hardware wallet. Basic in my experience, osoftware wallets is safe, I don't have a problem using a software wallet (electrum) for 3 years. I still have my 1st-time Bitcoin save on Electrum today. So, if you save your fund in a hardware wallet, but keep the seed phrase on PC or electronic gadget where always connect to the internet will surely be lost as well as the others.