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Maybe cold is the wrong word. I've been using electrum .

This wallet uses SPV and random servers from a list. This means little trust in third parties is required when verifying payments. However, it is not as secure as a full node like Bitcoin Core.

Whatever that means. I don't have a lot of money in this, but I have used it for payments.

I know you can keep the wallet offline, with the key on a computer not connected to the internet. That's what I've experimented with. So you generate, for instance, a payment transaction on your offline computer, then only the signed version gets transferred to the computer that's internet connected.