If you have a lot of BTC, you should be scared of hackers, because basically we play online and it's very vulnerable to hacking. Therefore, you should be wary of hack attacks. Prevention is better than fixing. So in anticipation use wallet hardware to protect the bitcoin you have. Really, whatever the price of wallet hardware is not a problem if it's for more secure.
Yes you should, because the number one mistake people make is their inability to hold and protect their wallet private key which is the wallet seed, if you have many accounts there is a possibility that you might forget some of its password and if you are saving they key on your smart phone. to be safe and secured is to be secret about your wallet seed and password as much as possible.