Agree, it's better to keep it in our own place that is not connected to the internet such as on an external hard drive or using a hardwallet. Using third-party storage is very vulnerable and in my opinion keeping private on the internet is a dangerous thing for the security of the coins we store.
Hard wallet is a good idea but there are risks as well because it has to be kept in a safe place wherein nobody else should have access to it as if someone just misplaces it by mistake then it will be a big issue and moreover there are higher chances of losing it. I still prefer storing it online but it should be stored somewhere which is not prone to be hacked or lost like draft folder of your email and trustable cloud storage as not all the third party application lacks security.