In addition to security, convenience is also important. Also, a hardware wallet can be lost
Yeah you have the point that hardware wallet could be lost that is why always do a backup if you really wanted to be safe. backup your seeds and write them down or save it in notepad and put it in the safe place of your computer.. and make a copy in your usb so that you can recover your wallet in the future once your hardware wallet lost..
For me i am using just a electrum wallet that i still didn't experience any issue yet and make sure to always update your antivirus to make your computer safe to any malware and viruses.
Having private keys on your computer that has access to the internet is a recipe for disaster. Just because you haven't experienced problems or theft yet, doesn't mean you never will. I'm not comfortable with that even being an opportunity. If you don't have access to a computer with no internet access, then the safest method is to generate a paper wallet offline.
Personally, I use Armory with an offline computer running BTC Core. I use Mist for my Ether, as well as myetherwallet for my tokens, but I extremely dislike using myetherwallet because again, it's generated online. It would be far too easy for anyone to backdoor all the online activity going on with that website and have access to everyone's private keys. It's just not a safe idea...