Thanks for all suggestions and feedback about the sites mentioned.

As far as Circle, you can see from my OP above that they are useless unless one only wants to buy/sell $300/wk or less.
That is not enough for my needs.


If you use Coinbase, do NOT use them as a wallet.
Buy and then move them elsewhere.
Otherwise Coinbase will eventually ask you to account for every withdrawal/deposit you've made.