3. is trust wallet good choice for keeping erc20 and bep2 tokens? their GUI is somewhat clanky for me, i dont like it too much, thats why im asking if there is a wallet with same functionality but with smoother GUI.
4.Im currently using CEX to buy and sell my crypto with fiat currency via credit cards, any cheaper or better alternatives?
You may try
metamask. metamask helps you keep ERC20 tokens. This can also solve the 4 question of yours that is buy/trading at low rates as it allows the user to swap within the wallet at
reasonable rates. Below is the tread where I read it:
https://bitcointalk.org/index.php?topic=5140908.msg50961595#msg50961595