IMO total noobs should keep their coins on the exchange until they know what they're doing. For the average non tech savvy person the exchange is the safest place for their coins.
Exchange wallet, not the safest place to store your coin. No one expert will suggest a newbie to store coins in exchange. Why? Here some reason:
1. You don't have the private key of this wallet, remember "No Key, Not Your Coin".
2. Your account can be blocked or freeze by an exchange administrator. If this happens, you can't access your asset
3. Hacking, data breaches, and other cybersecurity will come to exchange, even Binance already become a victim in the past.
4. Turn as SCAM, there are lot of legit exchanges become a scam exchange, if your asset inside of this exchange, you will lose your asset, like the poin 1, no key, not your coin.
5. When wallet holder of this exchange dies, the user will lose their money, this is happen few years ago.
Exchange founder is dead and no one knows the wallet key, so all of the exchange user assets gone.
For this five reason is enough to stay away from storing asset in exchange for holding or for a long time. Use exchange wallet if you want to trade it and withdraw it to your own wallet as soon as possible and keep it on your wallet. The safest place to store your coin is in cold wallet. such as Trezor, paper wallet, or any kind of trusted offline wallet. The access is yours and you can control it as you want. But remember keep your private key in the safe place and make sure no one knows this private key.