"Unlike those borne with silver spoon in their mouth I have worked hard for over 40 years and I don't mind the risk of call it "normal investment risk exposure". What I do mind however is getting ripped off by hackers and unreliable sources of storing be it gains or losses." Totally agree I feel exactly the same.

I have been studying and working on this problem as well and I don't have any reliable advice for you on what you should choose. I would however suggest download a few wallets and get to know how they work, that is what I am doing, learning for myself. Use them and get comfortable and know how it works.

Good luck and I hope you get it sorted out...