Been using ledger for 4 yrs. Much improvement in user experience in that time. Ledger Live at first was difficult to read... no dark mode/small font. Nano S was also finicky, and hard on my old Boomer eyes. Nano S+ much better. Being old, I have to keep it simple; so 24 words plus passphrase seems safe enough. Coldcard, much as I'd like to support a Canadian bitcoin-only company, is just too complicated. Been thinking about checking out Blockstream Jade.