That makes sense and it's how I handle it as well. That said, sometimes my transaction wallet gets low and I transfer some sats from my holding wallet to my spending wallet and for those instances, having a HW wallet is convenient. I guess if you stay on top of your transaction wallet balance and never let it get low, then this is not an issue.

A good analog would be checking vs savings account although even in those traditional accounts I end up having to transfer funds from savings to checking to keep checking funded.