Have you consider that you lose all your coins because the wallet phrase to your coins and PC burn in a war.
So what will you do if you survive after the war to start back your financial struggling and your crypto investment journey. Or can you get the coins back?
That's one of the reasons i am keeping mine in exchanges. Better security and better backups than i could ever provide. Yeah, sure they get hacked and cexes are against an ideological ethos in here, but frankly i don't care. I am not doing anything illegal so my coins won't be confiscated by any government, i have an instant liquidity ready and don't have to worry losing my private keys. Funny enough, i already lost one paper sheet with all my old account private keys in it. Maybe that lucky finder will get some airdrops later on.