Depends, most software wallets are able to talk to hardware wallets, so you likely don't need to switch your software. It will just send the transactions to the hardware wallet for signing.
If you don't want to do transactions, but just store BTC you already have for the long term, indeed you don't need anything, neither hardware nor software (just don't lose your key).
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.
