Best to use your own wallet than the likes of coinbase as they charge you to withdraw your funds. With your own wallet you have sole access as long as you do not give the keys to anyone.
That is true, it is better to have the wallet you have it now. As of this time bitcoin is really down but a few months before it keeps booming without control. Though their are many obstacles and circunstances that we are afraid of but that is part of the business if we are dealing to investment.