Which is the most convenient (and safe) way to obtain cryptos with FIAT? (excluding mining)
Every method has pro's and con's i'm afraid... an usually it's a tradeoff between trust, physical security and how easy the system is.
You could go for non custodial exchanges:
https://bisq.wiki/Frequently_asked_questions#Is_Bisq_safe.3FThe risks on these exchanges are fairly limited (but they still exist!!!) and they're relatively easy to use
or, you could go for centralised exchanges (like binance), which require KYC and have loads of rules and regulations... but if you use them to exchange fiat for crypto and immediately withdraw to a safe wallet, they're relatively easy and secure to use (but you offer up your privacy)
or, maybe use a bitcoin ATM? Easy to use, safe if you use a trustworthy atm, but usually quite expensive and hard to find.
or, a face to face trade, which gives you pretty good guarantees that you'll receive your crypto (if you use decent opsec), but there's a risk for your physical security.