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.
You are right that if someone keeps his wallet attached everywhere or does not keep the seed phrases of his wallet safe, then his assets are always in danger.i appreciate your experience and surly your assets will be safe in your soft ware wallet,but many peoples assets are easily stolen by scammers from software wallets.
Software wallet don't have any special security features,so you only know when the scammers have done their job.on the other hand,if we talk about hard wallets,it has very good safety features.scammers cant get in easily and various password and safety features let you know in time. I myself using a hard wallet for a long time and i feel very comfortable keeping my assets in it. hard wallet is more secure without any risk.