what do you use wallet or exchange for? Do you want to trade or hold ?
If you hold on a mid term or trade, you should use exchange. And hold your coin for security, you should use hardware wallet.
I think everyone knows that without you having to tell. everyone does the same thing when going to trade or just holding back the bitcoin or altcoin.
For me im prefer to keep my coin into wallet. ill wait the good time price when i sell my coin. for now i want invest more for the big profit soon. better to do is keep our coin into wallet and invest more then that times are getting high we want exchange this to chance a get a big profit.