But it also depend on your overall literacy in terms of secure storage by yourself and the amount you have invested and the overall time you have to manage your stuff.

This is no recommendation to store your coins on a centralized exchange ever, but sometimes it can be ok if you leave your coins with a reputable, registered exchange and familiarize yourself in the meantime with secure storage.

It's right that it should be the other way around, but if one decides to buy first and store it on a centralized exchange, chances that it gets lost are lower with well established exchanges. Yes, FTX now proved the opposite, but some of the exchanges OP mentioned are shady as hell anyway!