I think to be safer and more comfortable you can use centralized exchange because I think that using the decentralized method is very vulnerable at times to hacking.
Formally the decentralized aspect of the cryptocurrency like Bitcoin was more desired and was considered as the property that will allow the users lower cost and escape taxes but this had other disadvantages as well. Right now, majority of the people are talking about imposing regulations and this if on one hand can make the investment a bit more secure and can remove the air of uncertainty is the loss of value on the other hand in the form of tax.