Take it easy, one step at a time.  Start by getting familiar with some basics about the different kinds of cryptocurrencies out there and  (I saw you asked before whats the difference between a BTC address and TRC address - questions like those are a good place to start).  Learn about the different types of wallets, what private keys, public keys and public addresses are.  Check out how transaction fees work and how they are calculated.  Getting that foundation will pay off so you dont make some costly mistake down the line.

Theres no one perfect approach for everything, a lot depends on the specific situation.  For instance, using a deposit address from a centralized exchange like Binance isn't necessarily bad if the circumstances line up right.  Lets say you just need to receive a one-time payment from someone and you dont plan on holding the coins long-term, you want to swap them.  Centralized exchanges have their downsides no doubt but that doesnt mean they cannot also have some upside too, especially for someone just getting their feet wet with all this.