If you can accumulate Bitcoin every week or months, brothers and sisters you can afford a hardware wallet, I know you have a goal, to reach 0.3 BTC but mind you, making sure you hold the 0.3BTC securely is the most important thing, don't work hard for scammers to reap your reward, safety first.
I've used a software wallet Electrum for how many years but I never compromise my private key or lose funds.
Though it's highly recommended to buy a hardware wallet, however, it isn't necessary to buy a hardware wallet if you know how to create your software wallet safely and how to keep your private key safe. In short, it's a matter of how to keep your private key safely.
So it doesn't mean you have a hardware wallet you're safe from scammers.
However, it's a reasonable amount that you need to buy a hardware wallet if you hold a big amount for long-term purposes.
For larger amounts of Bitcoin that you intend to hold for the long term, IMO, a hardware wallet may provide an extra layer of security. But, if you frequently make transactions and need quick access to your funds, a software wallet may be more suitable for me than a hardware wallet.