I keep about 80% of my bitcoins in my Coinbase (US company) online vault, and about 20% online in my BTC-E (foreign company) account.
It's like having a huge vault with 3 feet thick walls of steel and an unbreakable lock, but instead of storing your money in that vault you put them into a card box next to it. In fact, you are the exact opposite of paranoid -
Pronoid