What would you consider congested? I'm guessing if its purging transactions >300mb - its congested. Is that a good indicator?[/url]
Check mempool.space, if it is purging transactions <1.78 sat/vB. So atleast pay a fee above the give rate. Also, checkout the total no. of unconfirmed tx chart in the mempool here: https://www.blockchain.com/explorer/charts/mempool-count
This gives you a idea on how much pending transactions are on the line and how fast they are increasing. They have been increasing since 6th feb quite rapidly, suggesting a network congestion.

Bluewallet, mycelium, electrum all are good. Bluewallet (mobile wallet) always gives me the best rates as per my expirience. But a hardware wallet is also good, just check the mempool before you make a transfer and you should be fine.