I would argue your wallet.dat should't be accessible from the internet all the time to begin with just put it on a old USB stick that you can store in a safe pl

I would argue your wallet.dat should't be accessible from the internet all the time to begin with just put it on a old USB stick that you can store in a safe place. If you're worried it can disappear in a fire you can always make a copy of it put it on another USB stick and give it to your grandma or other trusted person. If you are paranoid you can always just encrypt the file before saving it on the USB stick. Treating them like the keys to your house should offer more security than any bank can give you. For one thing it makes it less profitable for any thief to target you. There's only 1 problem with this. You should always check the computer you're about to load your wallet file into for malicious software. Although I would argue a live CD with a Linux distro would probably be the best choice in this case. Quickly transfer some funds to your regular use account if you need while keeping the bulk of your funds in a safe place.