Keys are the key here! Wallets just hold the keys and have some user-friendly features. Own your own keys, and only pull them out when you need them. Admittedly I have different funds in different places. Fast learning curve, losing a few bucks....happened to me for like 8 dollars....that 8= about what you lost today. Early bitcoiners lost 100 or more bitcoins regularly (Less than 8 dollars for them).