Safer spot for small bags: Coinbase Wallet or fiat in ETF?
Discussion
I would recommend neither.
Coinbase has proven time and again to be unreliable (or nefarious, depending on your perspective) when demand is high, with users being unable to buy, sell, and/or access their BTC.
The ETF = you own zero BTC.
Instead: use a hot wallet for small amounts and a cold wallet for your main stack.
Buy on an exchange other than Coinbase: River or Strike are great options.
Hot wallet: Blockstream Green and Muun have been good. Mutiny Wallet is newer but it sounds like it’s being well-received.
Cold Wallet: Blockstream Jade, ColdCard and BitBox are open source options that work very well.