I don't think you need to apologise to anyone for putting your own safety first, many newbies dont take take this step and end up losing their asset along the line.

You  can use different wallets based on usage if you deal or do more transactions daily or weekly, you can use a custodian wallet, not to store your holdings but for the purpose of selling or buying crypto, you know its risky to store your asset on custodian wallet cause of the risk of hacks and they have full control over your asset in your wallet and government mostly regulate them.

If you want to save or store your asset, it's best you use a hardware wallet and an open-source wallet like Electrum, which are non custodian and only you have access to your holdings and your private keys.