Having the 24 words would allow you derive the private key needed to use (as opposed to just view) the public addresses.
You could use a hardware wallet or software wallet and “restore from seed phrase”.
Technically, your umbrel node is a HOT wallet because it is connected to the internet, thus presenting a larger amount of potential attack surfaces for some to gain access and spend your BTC. This is why HOT wallets are usually not recommend for large amounts of BTC.
a hardware wallet is a COLD wallet - one that is never connected to the internet. It still derives and signs transactions for you with private keys, but without being hosted on a device that is connected to the internet. (hence why there has been a push to move away from USB hardware wallets to QR signing and other airgapped solutions - even more “cold” if you will).
here’s a decent little video.
I’m learning too so if I have poorly explained something please other folks on the forum correct me.