The most effective way to keep Bitcoins in your account is to use the most secure wallet. Hardware wallets are definitely recommended for selecting the most security complete wallets, but in cases where it is not possible to use these hardware wallets in all situations, there are some software wallets that can be used. To keep your bitcoins safe, do not share your account information with anyone and keep your personal wallet information private as much as possible. Account personal information must be stored in a location where no one but you can collect that information. After maxing out your wallet, you need to secure your device and ensure that no one but you can access your device. If such precautions are taken then I believe your bitcoins will be safe.
You are right even though I don't understand what exactly you meant by "max out your wallet", I will or would appreciate it if you did be kind enough to throw or shed more light on what you meant by maxing out wallet.
One thing I've actually come to believe is that, when it comes to keeping our bitcoin, and the rest of our other cryptocurrencies safe, we are our own security, whether we are using a hardware wallet or not, for even a hardware wallet is very hackable if the owner is not careful enough with the devices wallet private keys of seed phrases.
This is why it is very important for us all to always adhere to security protocols and processes, and also important is that, we should not over do things, for I have seen someone misplace his wallets seed phrase in the process of trying to hide it where no other person can find it except himself.