What I want to say and advise: practice thoroughly every aspect of your wallet setup including full desaster recovery before you load your wallet with coins of value. Testnet coins are perfect for this, except you can't send them to exchanges or similar.
How many wallet users actually do such thorough exercises and practice with their wallet setup? I'm not sure, if I want to hear the answers.
when i 1st discovered bitcoin in 2011 and mined coins i would create wallets on different computers and transfer coins from one to another until i actually understood change addys, fees and so on. im sure i lost some coins doing this but coins were a few bucks each back then so i just did the real thing.