Minimum, Keep your coin and mine to a local PC wallet (Linux not Windows). Beter: encrypted foler and encrypted backup on local PC, better yet: air gaped offline PC. Hardware wallet is close to the same as air gaped PC since they have integrated onboard encryption and intrusion detection. Still need to back up all
I plan to move to a hardware wallet, but like you said, can take some time to get the unit. Then I will need to gain trust in the device, transfer 1 coin in, and then out, to see how it goes.
I'm happy with my local wallets right now but I have a file server that backs everything up daily and is encrypted.
When I want to spend, I upload ZEC to Poloniex, convert to BTC, and spend. If I want cash, I transfer BTC from Polinex to Coinbase and transfer into my bank.