As a rep for an exchange service (exchanger in your words) I can attest to the fact that if you are not a day trader, using an exchanger is far safer and more convenient. Storing your coins on an exchange is just about as dumb as handing your wallet to a stranger on the street and hoping they don't lose it or run off with it. There's been a TON of recent cases that serve as proof. Now, with an exchanger, you just come in, drop the EXACT amount of funds you'd like to have swapped, and voila! We send the exchanged money to a wallet of your choice. We do have selective KYC checks, but they're rare and you can opt out with a refund if you want.