The thing you are forgetting is the lindy effect of your hardware device. The longer you have a hardware device, the less likely it could be compromised and you could lost your funds. If you decide to change wallets, you have a risk that your new device is compromised or a technical risk that you fuck something up. Also,never send all your funds at once on a new wallet. You need to send the funds gradually over multiple months or even years. And OBVISOULY UTXO PER UTXO. NEVer mix your utxos

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From what I heard Luke was using his own custom made wallet that was not even offline because he did not trust coldcard or other wallet providers. I would not compare that to having a cold card
But what even is the “Lindy effect”? 🤷🏻‍♀️ I need to know. Also, self custody was the biggest barrier to my going all in. Just reading through that made my chest tight. 😓