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I have to disagree with you : replay attacks can be used from any of the two chains against any of the two chains.
If you send ETC from a wallet the transaction can be replayed against your ETH from the same wallet.

But if you hold your eth and etc in different wallets, theres no way to do this. Or am I wrong here?

I am sorry , I can not answer you question as I am not 100% sure myself.
What I can tell you is that you can transfer your ETH / ETC to Poloniex , they will take care of any spliting or replay attacks problems. That's what I did .

There's a splitting contract on the blockchain that has two output contracts, one on the forked chain and one on the not forked chain. It might be different for tokens, but your ethereum is save if it only exists in a wallet that was created after the fork

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