Are we thinking right?

We're very personal finance knowlegeable but cryptocurrency stupid. We'd like to diversify our assets some and dive into cryptocurrency.. From my reading, it seems like Ethereum is a good choice for us. I saw we can create a Fidelity account but bailed as soon as I saw we can't go outward. This isn't for investing. We want a way to leverage SHTF scenarios or other disasters where we can't get to or use normal "money".

So, seems like we need a wallet. I like what I'm reading about Guarda (hot?). Since we're worried about disasters and security seems we need also a cold wallet so maybe Ledger, which works with Guarda. Does this mean we'd keep most of the crypto in our home safe on the Ledger device (or paper?) and only use the Guarda for buying then transferring to the cold wallet, and transfer some back to Guarda if we're ready to transact/buy something? Thanks in advance for any help.