First for questions that are aimed at security on crypto wallets, you can choose to use a hardwallet
The hardwallet itself has a good function in securing the assets we have / you could say this is the wallet of the future

The available hardwallet list itself has various brands
You can see here

The answer to the next question I am more in favor of the exchange server
Due to reducing it, it is likely to be used for shopping or buying necessities.

For a trusted wallet
Can you use binance?
Because binance has Google 2FA which makes secured more secure, requests when different IP logins, and login email codes

More or less depends on the user himself, I think everything is safe, as long as we keep the mnemonic pharse from being owned by others