Does BTC amount determine cold wallet or cloud app wallet for secure storage?

What goes into peoples' decisions to choose a cloud app based wallet, and at what point do they decide to move it to "more secure" cold wallet storage? What is best cloud app wallet? I feel like I have multiple bitcoin accounts, and want to consolidate into a cloud wallet for now, and see how much I have. Once I get to 1BTC, which should be hopefully soon, I will move to cold wallet storage. I think this logic sounds kind of arbitrary, so wondering if I should just do the best, most secure, right now. Mainly stacking and hodling.. may not ever use this btc, and just pass it on to my kids, to get the step up in cost-basis for them.