Being long or short of your Bitcoin address does not decrease or increase its security. If you keep your Bitcoin in an exchange, the possibility of losing it is maybe 30%. But if you use an Electrum wallet, you can guarantee the security of your wallet.
I don’t know how you come about with the percentage but yes having your coins stored on exchanges is at the risk of you losing the funds, this is because exchanges are custodial wallets that holds your private keys which are the gateways to spending your funds, so should they get compromised, rig pull or even hacked your funds will be gone with them. But does that make non-custodial wallets like electrum ultimately safe? No because even with your private keys or seed phrase right in your possession, the way you treat that wallet or protect the private key will actually determine how safe your coins on the wallet are. So using electrum or other wallets doesn’t guarantee safety of the funds
bc1peyr986nrj2f0w5a69jl496j4svdc03f64z0agke8kqyq6lhne6psgxk7hf
Since this has ‘bc1’ at the start, it’s most likely a segwit address.
It’s not a likely solution, this is certainly a SegWit version 1 address which we popularly know as Taproot address format (P2TR), the prefix (bc1p) and also the long characters length is there to confirm it