Yeah youre right! no CEX is flawless Binance, OKX, Bitget, Bybit, Kucoin and many more theyve all had downtime before. Thats why I always keep accounts on a only limited cex, it’s just smart risk management and same way you diversify assets. Relying on one exchange is not good. But its always better to keep the funds or asset on a non custodial wallet for maximum protection.
No exchange is flawless though but I haven't experienced downtime while trading futures with Bitget even when the market goes crazy that's why I stick to them till this time.. anyways yeah diversifying is key and to be safe your suggestions are valid.