100% agree with thoughts on Coinbase. Perhaps they so enmeshed with the US Gov't. that gives me pause. Not sure Gemini is any better to txr back into fiat but choices are limited if you want decent spreads and liquidity. Currently looking at Bisq.
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Yes, it's the Government thing, but tbh I hardly know anything about it, so this is a complete judgment (or intuition ;)) on my part.
I'm using Cryptopay.me, which I'm very happy with, but it might be mainly for Europeans. Bisq does Fiat conversion? I heard it's not easy to use, but that was 2 years ago. Things may have changed.