I’m a little confused about staking coins.

I was looking at staking my MATIC and my BAND tokens.

I’m not that good with the tech side and I don’t wanna get into something that I fuck up and lose my money.

What I gather is that staking is just locking my tokens for X amount of time and then I get X percent as a reward.

Sounds too good to be true… I mean.. do I have to pay for a node to be running 24/7 – is there a chance I can lose my coins etc?

If anyone can help clear things up that would be awesome 🙂