I may be old school, but I don't trust these centralized wallets and exchanges because they might be hacked easily. It may happen sometimes to keep a low amount of crypto on a centralized exchange but in general, I keep my funds only on non-custodial wallets. All these custodial wallets need to run some Penetration Testing at least once in a while to evaluate their system's security. I know a lot of people who lost their funds because they kept them on their exchange account, so to learn from their mistakes and totally avoid that.