What is the best wallet with low fees and quick access?

I have Coinbase, but you have to wait 5 days before sending crypto. Crypto .com you can only use a credit card, so fees are pretty high (compared to linking bank account). Phantom is good, although fees are high (4.76% when buying USDC from bank account, is that normal?) I also have Blockchain .com, yet I had some problems with them freezing my account for a while. I have Metamask which I haven’t used much, and also Trustwallet that I downloaded but haven’t set up yet. Any advice or suggestions greatly appreciated!