I have no ledger and will probably never have one

only use my own built completely air-gapped computer to handle keys, I do not like sticking the devices with keys (ledger) into an online computer...

yes, I probably appear a little bit paranoid, especially cuz I do not really have much
but I want to learn it right from the beginning, and do not think safe == paranoid, especially if one can easily use and setup such paranoid setups, especially bitcoin really seems to be tailored to paranoia (I fucking love PARTIALLY SIGNED BITCOIN TRANSACTIONS PSBTs)

still, good progress guys! :)
ledger still seems to be the standard for most people