I wouldn't recommand an online wallet, not even for daily transactions.
If you want to do daily transactions and own a lot of BTC, i'd recommand a hardware wallet. If you don't own a lot of BTC, a desktop wallet on a clean PC will probably suffice.
I agree with you by not recommending an online wallet, but that doesn't mean you can't use a desktop wallet, and I'm not even sure if they are worse than hardware wallets. I guess it will depend on how you use them. For instance it was recently discovered a vulnerability in all Ledger hardware wallets, called man in the middle attack vector. It's not anything critical and it can be easily prevented if the user carefully checks if the generated address was not tampered (my malware for example).
You can create transactions on a desktop wallet that is installed on a PC that is offline most of the time. You can even make the transaction offline, and then simply use the BR code on another PC to "broadcast" the tx to the network. Not saying that desktop wallets are immune to problems, as we all saw that there was a vulnerability on the electrum wallet, that was not corrected in the recent versions.
Not trying to create FUD here, just saying that users must pay attention to how they use their wallets, and always check their addresses and security alerts, because there are no invincible solutions.
