Sorry to hear about Luna. Personally I only keep what I need to trade on one exchange and some play money for their debit card. See, most coins are very cheap to deposit or withdraw as long they're not locked into LP or staking. So I never saw the reason to keep large amounts on any exchange.
I hear you. I prefer LTC to transfer between exchanges, supported on most, on Hive second layer as well, and it's pretty cheap to transfer. BCH is another one.
And Luna... yeah, I'm over it now but I would guess a lot of pretty reasonable people lost with that one.