Things are different now, in fact way better, still if you are new and you want to DCA into Bitcoin, kindly consider getting a Trezor wallet at least, don't keep Bitcoin worth $2000, $10,000 on a software wallet, even if its a open source software wallet I believe this amount is too much for a software wallet, having this much means you can afford a hardware wallet.
actually don't call them stupid when you are only talking about HOLDING , there are other users
who store there coins inside their wallets because they need to use it from time to time, and what are those times?
it is in their business who transacting many times each day.
But if this is about HODL then year we must not leave our 4 digits into software .