My research finding that I provide to new folks is:

@strike is great for new users and lightning use. Same with @CashApp .

@kraken (how is kraken not on here yet?) is awesome for trading or big buys, even OTC for companies or family offices has great features.

@River is awesome for small temporary BTC storage or fiat storage, but fees are prohibitive for transactions of substance. Same with @Coinbase (how is Coinbase allowing fake profiles without spinning up a real one in defense of brand already?).

As always, though: As soon as there are mass holdings or a long hold in play, move it to cold storage off of any of these.