For newbie I think a centralized wallet is a good start, with a centralized wallet we don't need to be afraid of losing assets, because if we forget the password we can still reset it
Whereas in a private / decentralized wallet, if we lose our private key, our assets will not be able to return.
The mistake that is often made by newbies is that they cannot maintain a private key and consider it trivial to store in a centralized wallet. Even though centralized wallets are very vulnerable to hacks.