When is it worth it to transfer your cryptos to a wallet?

Like many on this sub, I got into crypto in the spring / summer of 2021. Not smart enough to have gotten in earlier, but smart enough to understand that I had already missed most of the bull run and was going to lose a lot if I started investing heavily. The idea was mostly to invest a few coins to understand how the crypto ecosystem works, and start really investing in the next cycle, which seems to be coming soon.

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I use Binance as my exchange, and at the time I had transferred some ETH to a Coinbase wallet. The problem is that the fees were something like 20% of the amount transferred since it was a small amount.

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Since the beginning of 2023, I'm really starting to DCA Bitcoin, ETH and a few other alts to hope to take profits in the next cycle. For now all these cryptos are staying on Binance.

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I've read a lot of the "Not your keys, not your coins" motto and I do understand the security issues of keeping your cryptos on Binance or any exchange, but I wonder how much you transfer your cryptos to your wallet without it affecting performance too much due to transaction fees? For those who DCA every week, do you also transfer to your cold wallet every week?