When it comes to exchanges and online wallet services, obviously, your coins will be exposed to the same risks as when there isn't a chain split looming.

From there, your wallet service stating that your coins will be just fine has no value, because they at all times should be fine. It's like they make it seem they do extra effort to keep people's funds safe.

People should start storing their coins offline. If you're desperately looking for convenience, at least make sure you make use of mobile apps that allow you to remain in full control of your private keys.

Using online wallet services where you grant them access to your private keys is seriously a no go. There is a saying ~ if you aren't the sole owner of your private keys, you don't actually own anything.