I appreciate the response. Which wallets would you place as the top 3?
Ledger is closed source, so it's an automatic no.
That wouldn't be my biggest issue if they were honest but the problem is that Ledger lied about their claim of keys not leaving the chip. After introducing the Ledger Lecover service, as it seems, their Chips isn't as secure as they were advertising. So, they are liars and should never be trusted with anything.
I've only tried Coldcard and Trezor, I consider Coldcard being Bitcoin-only as an advantage
ColdCard is one of my favorite. The Passport Foundation is also good and more user friendly than CC but they are both great.
I don't know what you found complex about Electrum wallet, however, i disagree, Electrum wallet is very easy to use and a newbie can figure it out immediately.
It's as easy as possible, the only exception is sending Bitcoin to multiple wallet addresses, it's not intuitive in Electrum and if you don't find tutorial, it might be hard to understand at first but other than that, the wallet is as simple as possible.
For what you’re describing—holding Bitcoin, swapping to USDT occasionally, low fees, decentralized, and mobile—I’d recommend Best Wallet. It's a solid choice for long-term storage and provides a simple way to swap assets with low fees. It’s mobile-friendly, secure, and gives you decent control without too much complexity. Definitely worth checking out for your needs!
Are you sure that it's the best wallet to keep your coins there long-term? It's not even open source.