Beginner Question: Is a Hardware Wallet Really Necessary for Small Crypto Holdings?

I’m still relatively new to crypto and trying to learn about security.
Many people say hardware wallets are the safest option, but I’m wondering if they are really necessary when holding a small amount of crypto.
For beginners who only hold a small portfolio, do you think a hardware wallet is worth it, or is a reputable software wallet enough?
Would appreciate hearing your experiences and advice.