I also use online wallet so that is why..
I think that its also not worth it because its not very easily with payments, online wallets are better for payments.
On the other hand hardware wallets can be nice for large amounts maybe.
I think it is difficult to use hardware wallet if the internet is slow, but for safety's sake if you have much better hardware using bitcoin wallet
Agree, if you have a slow internet you would really have a problem with it and it would surely take you some time more than weeks for sure. You are right it is somehow safe compare to those web wallets do exist today but its still okay to use them especially when you are putting up small amounts and been used for daily transaction.