I'm planning on exchanging some btc for monero and/or litecoin so I can make online purchases with crypto for low network fee.
Do you want to exchange bitcoins onchain for altcoins? I hope you're not joking. First, you should stop comparing the "cheap fees" offered by centralized trading services, because it is impossible to find them with the current network conditions.
A good place to go now is currency exchange board
[1], it's completely 3rd party fee-free as long as you trust the person you want to deal with. This is purely based on the network fees.
1.
https://bitcointalk.org/index.php?board=53.0