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Ultimately it's about tradeoffs, as is basically everything else in Bitcoin and life in general. There's no perfect way to secure your sats, only a set of strengths and weaknesses in each method of doing so. Comes down to the user to figure out what they're most comfortable with.
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I agree with you 100%.
ColdCard and SeedSigner are both pretty cool products.
I have also been a little turned off by nvk's fudding seedsigner and other non-hardware-wallet solutions.
Airgapping is hard and computer security in general is full of pitfalls for amateurs (and experts) but I don't think this attitude of "leave it to the experts because you are too dumb" really helps the situation.