Ledger vs Coinbase 🙋💵

I have had my crypto on Coinbase for about 2 years. Recently I bought a ledger nano x because to go "cold" because people say it is dangerous to have it on Coinbase online. I haven't moved any crypto yet because I am now questioning things.

On one hand, Coinbase seems quite trustworthy and safe. If something catastrophic happened, like a major hacking, there is a small chance I could get some funds back somehow or another.

On the other hand, people say it is dangerous to have it online, which I understand. But there is a current scare with ledger that can't be ignored. With a cold wallet like that you can't have trust issues. If something happens, like I've heard has happened, with misplaced funds or the sort, it seems like I have a 0% chance of getting it back.

I have 14 days to consider before my return window closes for the ledger.

I'd really like an opinion. Thanks

Edit: The comments are absolutely polarized. Some people say screw Coinbase and some say screw ledger.