When you make a withdrawal through an exchange you don't need to worry about that, and usually wallets compute gas themselves in addition, anyway it could never reach $240. I use this blockchain to withdraw USDT from exchanges and casinos usually (when Polygon is not available) and fees have always been lower than Ethereum blockchain for me. Here he wouldn't even need to use a wallet since he can make his withdrawal directly to his Huobi deposit address if he wants.
Read correctly what I wrote please.
I said that you will have to think about moving those tokens later, so if you don't have tron, ethereum and similar shitcoins, you are stuck with all stable tokens in non-custodial wallet.
In case with tron blockchain you can even be stuck with usdt even if you have tron, but you don't have energy bandwidth and crap like that.