If the question is about the purchase, then, I think, there can be no doubt that it is better to take the hardware one – this is exactly what will provide you with convenience, confidentiality and security. I heard that the company https://entheca.com/ showed itself excellently in this matter. This is not just a crypto wallet they have, but a reliable assistant for business, which allows you to fully use this token for various purposes – purchases, identification, connections. Very convenient and mobile. Plus, multi-factor authentication protects well.