> Do you only use a hot wallet for all your coin?
No.
> Do you keep your savings in your checking account?
Yes! :)
Moving coins manually between a hot and cold wallet is a hassle and what I would consider a significantly worse user experience than what exists today.
Get a second account, even if it's low / no interest, and put the bulk of your money there. That way if your checking account is emptied the attacker only gets your spending money. Don't spend directly from the second account; move money from the "savings" account into checking regularly (monthly by scheduled task if you can't / don't use internet banking, as required if you do). Will also help with budgeting if you have an extra step in making large sums of money available. Not saying you don't / can't budget, just offering experience!