I can't afford to buy anymore expensive commercial cold wallets.
TailsOS with Electrum or Sparrow on a USB stick will be the cold wallet until funds are in the 7-10 figure range.

My understanding was BIP39 could transfer seeds. This is a big warning to learners to find a solution that encompasses mistakes, learning, transferring and security.
A USB stick is affordable and flexible for trial and error. After practice, perhaps a commercial and much more secure solution.

Beginners: paper cold wallet
Intermediate: USB stick with TailsOS and Electrum, Sparrow or Coinomi
Expert: commercial cold wallet.