Imagine there is a Trojan on your desktop or cell phone that has been programmed to detect recovery seeds, WIF private keys, extended private keys or any sensitive data that allows partial or full access to your funds in a deterministic wallet.
You won't believe it, but there are things like this, some are called "keyloggers". Don't ask how I know about it, it was a very expensive and painful experience for me.
What gives better security is always any offline events, if you back up your seed phrases offline like using the crypto steel [4] type of backup you have more security than back up your recovery seed phrases online even with encryption.
Even using something similar to encryption which is word extension can make the backup very secure and no need to depend on encryption. Also as the wallet is on airgapped computer, alternative backup like encrypting the seed phrase or the wallet file on a new and yet formated USB stick is also an option. There are 100% ways to security and safety if you wish for one as long as it is bitcoin.
All this is fine, but for an ordinary user, it is too much work and additional devices. There is always an additional risk of losing a file or deleting files on the USB flash drive... Some of the hardware wallets should always be the first recommendation.