Great analysis. I agree with your conclusion though because I use atomic wallet and everything you mentioned is as it is. Because I deal with a lot of swapping between bitcoin and other altcoins on non-custodial exchange Changenow, withdrawing those altcoins to Atomic wallet has been easy because it has over 300 crypto assets availability.
I also enjoy buying those cryptocurrencies from there too, so seamless.

great analysis Ronnie, so on point.