Before thinking of investing this is something you must put to mind first how to secure a healthy and safe investment. As an investor you got to be cautious with the safety of your asset. Alot of people has fall as victim in such, in losimg their bitcoin through getting scams or hacked ( using phishing attack and more). And you have said should also be cautious with the type of wallet they engage with, that why most time most users always recommend cold wallet due to the fact is an offline wallet so would be difficult for it to get hacked.
Also is not only getting hack or using the wrong wallet could lead to losen of asset. Forgotten of one security seed phrase could also lead to one losing their coin (bitcoin) because seed phrase not something you just send forgotten phrase for you to be able to access that wallet again Nahhh things don't work that way ones you lose those 12 words (security seed phrase) all yah asset in that wallet is gone. So as you are accumulating more bitcoin, same time focus on the safety of your wallet.