I find BlockFi/Celsius even more dangerous than - let's say a custodian web wallet.
But of course, it always depends on how you perceive those coins. If you want to risk them, it's really up to you. I have done my share of stupid things too when I was young into crypto. But if you want to keep them safe.. well.. keep them safe.
And for keeping your coins safe you don't necessarily need a cold wallet either, especially if you don't want to spend and you know (or are willing to learn) how to safely generate a paper wallet for long time holding.