Wallet question

I usually live by the phrase "Not your keys, not your crypto" but recently as my portfolio has grown I've been worried about losing it all due to stupid clumsiness. I don't have my secret phrase written down, rather memorized, and recite it on a daily basis at the same time, and review it weekly to ensure I'm not reciting an incorrect phrase. I've recently begun considering just moving it to coinbase though, cause, to be honest, I feel like a coinbase hack is less likely than me being stupid. At the same time, to lose my funds, my hard drive's contents would have to be fried, and I would have to forget my secret phrase to lose access to my funds.

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What do you guys recommend? I think I already know the answer but just curious.