if you use custodial wallet/exchange, the cost will be higher since they charge more.
Binance charges a $1 fee for withdrawal of USDT through TRC20; and $8 for ERC20. I guess the on-chain fee for sending both ERC20 & TRC20 tokens is higher, isn't it? That's an advantage LOL although I recommend avoiding CEX.
It's better to avoid any chain that asked for large fees.
Bitcoin on-chain fee has been outrageous for the last few weeks. The fee was quite high. I had to pay more than a $50 fee on a TX; I had many inputs. Nevertheless, would you stop using the Bitcoin chain for that? I believe you wouldn't do that.