I will attempt to translate:

Hot wallet: Carrying money in your pocket

Cold wallet: Locking your money in a vault

I'd also recommend you adjust how much Bitcoin you have to how well you understand Bitcoin.

$100 for lightning network hot wallet (Phoenix or Breez)

I'd say about $10,000 when you understand cold wallets (signing devices)

Millions when you understand glacier protocol with its geo-disbursed multi-sig.

But that's my personal risk tolerance. Adjust to your own risk tolerance