Good day. Totally get the worry, keeping funds on an exchange long term is asking for trouble. For day to day I would honestly recommend Volet, their crypto e wallet has been my main account for a couple of years now and it just works. You hold both fiat and crypto in one place, internal transfers between users are free, and the support team actually replies fast, even at odd hours. The company has been running since 2014 with millions of users, so it is properly established, not some fly by night project. Easy to use interface too. For managing crypto without the exchange stress, it is a solid pick.