Why you worry so much when the bitcoin fee is high , worry about if your not earning bitcoin anymore try to find a exchange site or wallet where you can use lighting network for you to have a small fee's and fast transaction but in my own experience i just save them all for one transaction or if i wanted to withdraw i always exchange my bitcoin into coin that my country has so it will be small fee's and then withdraw it directly into my bank. But it always up to you when you wanna do it or not because we all wishing to have small transaction fee every time we want our money out.
What to do if you have btc on an exchange which charges high for your withdrawal? You have no choice but to go for an altcoin which has less fee and still transfers at a much better speed than btc. I am not against btc or in favor of altcoins, I am against the high fees which are even more than those small transactions we pay.