Agreed, in fact I don't rely on a wallet, but I did when I was receiving the Bitcoin, i.e. you need to create receiving addresses and for OPSEC, you'd want a different address for each UTXO and you'd want at least a watch only wallet to make sure the Bitcoin transactions have arrived validated. You can do this using the mempool, but I'd definitely want to check with at least an XPUB if not a full wallet.

You wouldn't want to use a software wallet (where your private key is connected to the public Internet) for that, so at some point you need to understand how to use a hardware wallet to receive BTC.

Somebody else suggested it's just the Coldcard he doesn't understand, but all wallets work with the same principles. If you've used one hardware wallet, you understand all hardware wallets conceptually.