$BTC $ETH $XRP According to a friend in the crypto business with experience and my own observations, there is no "cold wallet" that can surpass the money kept in a bank and cash stored in a safe in real life. There are many types of cold wallets for storage, but the risk of device failure or being targeted by hackers is present.

The advantage of software cold wallets is that transferring to external storage from the main exchange adds an additional layer to ensure that you are ready to buy coins at the moment you decide to purchase on the official exchange like Binance. Next, you can use the strategy of "waiting" for a long time until the coin is at its best price to accumulate purchases from USDT.

You can hold various coins. However, anyone who invests small amounts will find the withdrawal fees high, which are typically suited for whales and large businesses.