Well, As for me, I accumulate as much as I can and I also plan to sell partially in the bull market, although the plan is to have more and more bitcoin in the long term. What these institutions do tells me little, and those attributed to Satoshi, which are not all clearly his and are probably 'donated' to the rest of the holders, to paraphrase him, should not be on that list in my opinion.

Then comes software wallets. I have done some research here on this forum and also in other places. Everything suggested me towards Electrum wallet. I have used it and it's quite good as it said in every review. But still, everything depends on how you use it. So DYOR and choose the best.

Honestly, I wouldn't worry about it. Bitcoin isn't going anywhere.

If you are using an Android phone you can easily add mempool to your dashboard for faster transaction fee information.

https://i.postimg.cc/SRfPpLv1/Screenshot-2023-05-16-14-56-41-364-com-miui-home-edit.jpg

And Electrum wallet isn't the only Bitcoin wallet that has an adjustable transaction fee, I use Trust wallet and you can also easily adjust your transaction fee in this wallet for Bitcoin..

If you want to send Bitcoin from Trust wallet, the transaction fee will be high automatically,  around 3$ but here is what I used to do, I will launch mempool to check the lowest transaction fee for Bitcoin then adjust my transaction fee to the level of mempool, and within some few seconds your Bitcoin will go through...

Most Bitcoin wallets won't automatically adjust few themselves to the minimum, most are always at a maximum fee which is why I will recommend mempool.