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Maybe you don't even have to if you don't plan to do a multisig wallet. I mean if you maintain a clean setup with your tails OS and your key management this is a quite solid setup.
A hhw could be more comfortable but I doubt it being more secure.
I don't know. I think I would be uncomfortable using Electrum for large amounts. I think part of me is influenced by marketing around hardware wallets making them seem essential. Even if the security gain is marginal
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