You're absolutely right! Keeping things simple is important, but with all the hacks and scams happening lately, it's crucial to be cautious. That's why many people opt for multi-signature setups or storing their coins on exchanges like Binance. However, in my opinion, using a Ledger is a wise choice. It's one of the safest and easiest ways to secure your coins, especially if multi-signature is too technical for some. Stay safe and secured
do remember that it is never a smart idea storing your coins in exchanges. just go for electrum if you want a simple one. and once you learn more things, that's when you can move to other solid and secure options like ledger.