So, I imagine a mixture of custodial and self-custodial wallets then. Im just wanting to decide for a beginner like me, using a custodial wallet won’t hurt much.

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Custodial wallets make lazy. If you start custodial you'll keep it that way until you lose it.

Alrighty. Thanks for getting back to me!

the provider of the custodial wallets sees and stores all your transactions, exactly like a bank. Furhermore, they know the address you funded your custodial wallet from - so they can also analyze what you did with your coins in the past. You have zero privacy when you use custodial wallets.

If you want fungibility and privacy, BTC is not what you want to use.

Thank you. In that case, the so called “silent payment” option for Bitcoin transactions in Cake Wallet is just “privacy” in name, not in function?

Silent payments offer some privacy for the receiver, afaik not for the sender.

If you already use cake wallet, you can convert BTC to XMR easily and get decent privacy and fungibility that way.

Thanks Chuck, I appreciate your time.