Securing your coins is not as difficult as it seems, if you get a hardware wallet and store your seed in a safe place then you are in better shape than most people, hardware wallets may seem difficult to use and the fact that you need to pay money for it when you can store your coins for free in any other wallet makes hardware wallets not very popular.
But whether or not you should get a hardware wallet should depend on the size of your capital, if you have 10x more capital than the price of the hardware wallet then you should get one and protect your coins as there are scammers in this forum that will try to scam you for way less than that.
it can be difficult in situation you have forgot your private key so in the case of exchange can recover after some kyc.
I suppose that you actually meant seed words instead of private key because no one can remember a private key, to begin with that is a mistake, who in his right mind is going to store their coins and is not going to write down their seed words? Most wallets are going to tell you to write them down and if you don't then you do this at your own risk.
What you need to do is to make a backup of those words and that is relatively simple the only thing that you need to do is to write them in a piece of paper, I don't understand what's so difficult about this, and then you just need to store your seed words in a place that is not that obvious which is relatively easy because we are talking about just a piece of paper so you can hide it among all the documents that you have already.