NVK is very smart but also likes trolling a lot and sometimes he misses the point in relation to tradeoffs (for instance, he also hates Raspberry Pi implementations). In this case I would say follow the incentives... After all, he's shilling his own company and products all the time. Also, he usually says that Bitcoin is not for poor people so I guess that if you can't afford a Coldcard you just don't deserve any other options.