You do highlight my point thou. For the majority of plebs, hardware wallets like this, arent really needed. Even for you it's likely still a waste of sats, you're better off with something else, unless you're making regular large transactions.
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How do you create a key without a proper HWW?
It’s a convenience item. I use it in paranoid mode. But I don’t have to.
You can calculate your own private keys by hand from dice rolls, but I choose not to.
But nobody would ever disagree that minimizing trust is always safe, presuming you don’t outsmart yourself.