I need a multicoin wallet with a swap feature.
So if I don't have enough to pay for gas fees I woundn't have to deposit ETH again with $1000 worth of BTC already in that wallet, I could just exchange a bit of that for the fees, same when paying with BTC for example and I'm missing 5600 satoshis to bump the fees up, I already have $100 USDT there so let me easily convert those.
There is no wallet that can actually give you a direct swap between various networks for example you cannot actually have funds on bitcoin network and want to directly swap to Ethereum network, rather what can be done is primarily bridging from one network to another. The wallet that can supports this are web3 wallet because they have DApps to help access the bridging sites and you certainly know of the dangers already
My suggestion is for multicoin I have used exchanges inbuilt web3 wallets, not necessarily the keyless ones but also does who grant you access to the keys. The most common one for me is the OKX web3 wallet which you can have all coins on a single wallet and then while you want to bridge, for example from bitcoin to Ethereum you can simply access the DApps and search for jumper.exchange bridging site. This site can help you bridge between various networks once you connect the wallet. This most of the times saves fees depending on the congestion on both bridging networks.