I keep a few hundred $$ on binance, only because of the fees and time to transfer back and forth my cold wallet. I sometimes like to flip a meme coin back and forth and trt and make a few dollars.

99% of my crypto is OFF centralised exchanges. I cant tell you what to do, i can only let you know what i do. Im not afraid to lose that few hundred dollars and, like you, its why i leave it on exchanges.