Yes,

exactly.

But like i expressed, if you want to do transactions, I would ideally do them via lightning.

So i would prefere having something hard for lightning payments as a daily driver instead of a onchain hardware wallet. Obviously i would not store my savings on it but just the amount i need for daily life.

This is imho the way we need to go with hardware wallets. But thinking of it, if i dont store that much on it, maybe i'm willing to take the risk then and having it on my phone.

But maybe i see it different here because I dont wear apple's nor androids in my pocket.