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I’ve heard good things about ColdCard and like Trezor. Don’t use ledger! (Data leak).
The regular bitcoin wallet that you can download from bitcoin.org for free. That wallet let’s you encrypt the wallet with a password.
Take that encrypted wallet, save it on a USB that also encrypts and puts in a password.
Costs you like $20?
https://medium.com/mycrypto/the-difference-between-a-hardware-wallet-and-a-usb-drive-c50523d24e02
I wish I had thought of that lol. However I looked it up and there might be some trade offs. I started with Trezor and liked it a lot.
With the ability on most reputable exchanges to integrate physical 2fa keys. I’d argue there’s a potential you’re missing out on the staking income.
However everyone has their own risk metrics and it’s easy for me to say when my holding will be lower than a lot of people here!