Is it safer to store funds in the blockchain than in any wallet?

[Treeclimbman]

I came on the idea to store funds in the blockchain, rather than in a wallet, when I should recieve an ERC20 token in my wallet that is not supported in my wallet yet, but I understand that the recieving adress should be the same as my ethereum-adress in my present wallet.

So what about creating a new wallet for Ethereum, then use the Ethereum recieving adress from there, and then never use that wallet before I will use the funds that has been sent to me. Then right before I should catch in the funds in the wallet, I will download the newest version of the wallet which I then assume will update my old version of the wallet. Then catch in the funds in the wallet.

I am still some kind of a newbie, so do anyone see issues with that kind of procedure and storage?