Sort:  

Kraken works for you.

I'm such a rookie... Will Kraken have separate accounts for each crypto, like Coinbase to transfer easily to and from each to keep things simple?

Short answer, yes; however you should only store it on the exchange (coinbase, kraken, etcetera) when you are buying or selling it. Think if Kraken like a crypto currency version of E-Trade.

So I should have them ALL offline on a back up hard drive?

you can always use shapeshift.io

Coin Marketplace

STEEM 0.17
TRX 0.15
JST 0.028
BTC 62102.06
ETH 2415.08
USDT 1.00
SBD 2.49