Hard wallets aka cold wallets is this tangible device that makes us, humans, feel comfortable that we have that money. Do we need it?
Of course, it's always needed no matter what level of knowledge you have for coins. Either you're starting off with investing or using it for savings, cold wallets are needed. Why, because we must always be prepared for any events if anything happens with our coins. Also, it's that comfort that you have your money safely stored in the tip of your hands.
Do you agree?