I have most of mine on an exchange because I'm getting paid interest. Has there ever been a time when an exchange like Binance for example, steals your funds or gets hacked and people lost money?
exchange are very Vulnerable to Hackers and attackers , meaning why need to risk your funds outside your wallets?
when you can have much safer Holding without thinking everyday what would happen to your funds?
Make up your mind mate , unless you wanted in the future that you will post here that the exchange is hacked and your funds are compromised .