1. Not usually, but I do have it. When it comes to trust, I wouldn't mind having a couple of hundred dollars lying around in it, but when it comes to larger amounts, I would not store them in a wallet that doesn't allow me to have my private keys and everything.

2. I sometimes use MetaMask, but I don't always keep funds in it for security concerns as I have heard a lot of stories of people getting their wallets compromised or hacked.

3. Yes if the amount is significant. You don't need to buy a hardware wallet to store $100 or even $1k or $2k, but if you have invested a lot of money, you shouldn't keep them in a closed-source wallet.