well for safety purposes, it is more better to have two separate wallets, as nobody can tell what will happen, but I think having two wallets can spread the risk of security breaches on just having one wallet especially people that uses software wallets for everything.
Wallet safety is essential, as Cryptocurrency are high value target for hackers. A hard ware wallet can be used if you have huge amounts of crypto assets, but a small amounts of crypto assets may require a software wallets for easy transactions.