Was just going to add... there are perhaps very few coinjoin options that integrate cold storage. Trezor used to work with wasabi... but my understanding is that that's not really available currently? I haven't done enough research on coinjoin coordinators through wasabi and if they're reliable.

So the coinjoins that do exist are basically hot wallets on computers. How do we get around this? Robosats, Bisq, they're both hot on computers. Even the new proton-mail will be hot, at least to start although they say they're adding hww support.

So yes cold wallets for meaningful savings, but not using hot wallets in general is not really realistic imo.