Seedwords plus a passphrase (BIP39) in Sparrow wallet. No need for a hardware wallet. Keep the two separate and never stored on a computer.
Discussion
Sparrow is the best non cold wallet ?
Sparrow is the wallet. It can be hot or cold. ColdCard is the signing device.
Sparrow can be both a cold wallet and a hot wallet. That is the nice thing about it. Also, it is open source and there is no company behind it. Truly what a Bitcoin wallet should be. It is the best bitcoin wallet out there.
Sparrow only is NOT a good idea.
Most people will say this. Understandable. However, a BIP 39 passphrase on your 24 words, makes it so you don't have to trust Sparrow, as the BIP 39 is universal to the Bitcoin protocol not just Sparrow wallet.
But it requires generating the seed and typing it into a computer. What about keyloggers? Malware?
Good question. Never use Windows when managing Bitcoin! Or Mac for that matter. Use a clean install of a good well maintained Linux OS. I use NixOS. If you are super paranoid, then use QubesOS.
Good point. I was not aware of this website. As most noobs will use Window or Mac to manage their bitcoin, thus would need a hardware wallet to prevent those attacks from happening on their computer.
At that same time, if one knows how to use Linux well, has good computer practices, copy and pastes their passphrases and seed words, and keeps their seed words and passphrases off their computers, they will be fine. After all, you still do have to trust the hardware manufacture a bit (even though the hardware and software is open source). Also, a hardware wallet does add a bit more complexity to keeping your coins safe. But, yes, having a hardware wallet cuts down on many vulnerability points as compared to a computer.