I really want to get a hardware wallet because of these situations, but I'm afraid of two things:
(1) I want to be able to get my currencies into USD FAST if needed. (given that Coinbase is down, a hardware wallet in this case would probably be a lot faster FWIW)
(2) I'm not entirely sure I trust myself to not lose the ledger and paper phrase more than I trust Coinbase or other online wallet.
Somebody convince me otherwise?