For a Filipino like me, coins.ph is the only wallet that suits for any bitcoin users in Philippines, it converts bitcoin into fiat then can withdraw it at atm even without a card, and most of all supported by many products and companies.
That is a good choice to use in a daily basis for payments and otber stuff like recharging your phone.
But you shouldn't store all your Bitcoins in a online wallet because there is always the risk of losing all your coins in case of a security breach. I suggest you to leave low amounts of BTC to spend when you need, and store the majority of your coins in a wallet like Electrum or Mycelium just for safety.
It is quite normal to deal with risk in the world of Bitcoin. And I agree that if you deal with storing of Bitcoin you should not stick on just one wallet because in order for you to lessen the risk you should also have option in term is holdings. And as much as your choices of wallet need to depends on the specific transaction you will do such as trading and investment where you need to deals with price monitor not just on converting Bitcoin to fiat. So the thing is wallet choice need also to depend on the transaction you will made.