Tbh it’s literally impossible to use your computer normally and be vigilant enough to protect crypto. No one could ever properly audit everything they run.
That's the reason why Hardware wallets exist. They aren't the panacea, but they drastically increase the separation of your keys from the Internet. Some (like ColdCard) do not ever need to touch an online computer directly.
For small amounts all these mobile/addons/desktop software are fine (with minimum caution like avoiding reckless behavior described in the OP). For larger amounts cold storage (of which hardware wallet are the easiest to deploy) will protect your funds.
When you put cash in your physical wallet you assume that this could be lost to a robber in the streets, with little to no recourse. You wouldn't put all your belongings in a big bag you would carry everywhere you travel, or if you did you would increase your security proportionally to this increased risk... if you don't, nobody would shed a tear over your potential losses.
Not sure how this is different with crypto, I guess people assume everything is safe by default because it has no physical form, despite the 20 warnings and security reminders they get when they setup any crypto wallets.
In this case it's literally as simple as not developing anything while playing around with a live wallet that has hundreds of thousands of dollars in it.
It's like trying to do vehicle maintenance while your car is running.
It might be technically possible.. but why would you ever do that?
If you have more than high 5 figures of money lying around, should you be co-mingling it with your everyday activities?
I wouldn't feel particularly comfortable even having 5 figures of tradfi cash lying around in my house let alone carrying it on my laptop where someone could steal my bag or machine and that's before it is connected
