Right on .... I do the same and try to keep it simple. The Block.io actually has multiple wallets in it. It has a Bitcoin Wallet / Dogecoin Wallet and Litecoin wallet. Its the easiest one to use that I have come across.
I have about $1000 stuck on Binance because my two factor sign in ( that they force you to use ) isn't working correctly so I can't sign in to trade / sell or buy.
I hate 2FA ....