A cold wallet keeps private keys on a device that never touches the internet directly, usually a hardware wallet such as Ledger or Trezor. Transactions are signed inside the device, so malware on your computer cannot read the keys.
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Hot wallets live in a browser extension or phone app and are handy for daily use, but they are exposed to phishing and malware. Cold wallets add a step to every transaction in exchange for much stronger protection, which suits savings.
Buy hardware wallets only from the maker, set up the recovery phrase yourself, and confirm every address on the device screen before approving.
For amounts you would hate to lose, yes. It costs less than most people's annual trading fees.
Restore your wallet on a new device using the recovery phrase.