Well the thing is that laptops are prone to malware attacks and they might stop functioning for whatever reason. I have a Trezor and highly recommend it, if something happens you can move your coins instantly to a new one.
Hardware wallets are made to store coins, so pretty sure they know what they are doing.
5,000$ because a Trezor costs about 200$ max, so that is 200/5000= 4% which is a good tradeoff between cost and security.
A friend of mine had 300,000$ on BTC-e and lost it. So be careful and don't be frugal on essential things, if you wake up one day and all is lost how much you pay to go back in time? pretty sure more than 200$.Think about it this way.
Have an energetic day!