So, regarding cryptos. Could I trust Kraken will hold my shit through the pandemic?

I'm aware self-custody is the ideal, but its not exactly easy to pull it off safely and there are some costs.

>doing it with a software wallet requires you to do with a fresh new computer install and offline to make sure you don't have a wallet sniffing malware pre-existing in your system
>every time you were to touch that money you would have to go through the same procedure
>hardware wallets aren't cheap for the amount of money I'm trying to protect
>transaction fees in and out

Is there a middle of the road solution?