I get your point but TBH I only have .2 btc which comprises of different crypto assests and I do a bit of swapping between the coins every now and then. Do you still suggest to move them to a wallet where I have my own keys?
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For 0.2 BTC maybe not much reason to go to hardware wallet. Just move them to a wallet on your phone. (Unless you absolutely need trading.) By doing this you still will eliminate the big risks coming from online exchanges.
All my considerations above were with savings of 5-20 BTC (or more) in mind