Question about cold wallets and US withdrawals please

Hello, I'm holding BNB and don't want to sell until it hits ~450-500. Basically, I have a mac and I'm wondering if I can get a ledger, and put all my BNB in it, or if it's safer to get multiple different cold wallets and put different amounts in each.

Secondly, I'm in the US and heard some real tax horror stories. Can anyone fill me in? I haven't recorded basically any buys or sales, and I have no idea what I should do in regards to withdrawing my funds into my bank account. Initially, I was going to just hold for a year to keep it long term capital gains, but heard it doesn't work this way. If anyone can offer advice it'd be so appreciated, I'm in a confused rut here.

Tyvm.