I may be misunderstanding your question, or you may be misunderstanding which wallets are segwit.  Addresses that start with bc1 are native segwit (p2wpkh,) and addresses that start with 3 are nested segwit (p2sh.)  Both are cheaper on fees (by small margin) when spending, and both are fine to use.

Some web wallets, exchanges, and other services can't send to a native segwit (bc1) wallet, so if you use those services often you may want to use a nested segwit wallet (3.)  There's no limit as to how much you can send to, or spend from either type.