I want to HODL but now online and I don't want to use Ledger or something. I hear too many bad stories of people who forgot their password to the ledger , or it can possibly break..
It's because even in the two popular hardware wallets they're not supporting it. But those stories that have forgotten their passwords? They probably didn't save their private keys or the seeds and that's why they've forgotten everything and lost their entire balance.
This isn't about lunc but all about how savvy your are, keeping your assets in a hardware wallet is the safest way of keeping your cryptocurrencies but well, not applicable now for lunc but maybe in the future.