Yes you can just use coinos. Coinos is custodial as was WoS. Albyhub is beneficial when connecting to your own node so you can be self custodial.

I think custodial is fine for small amounts like zaps. If you amass a larger amount you can move it somewhere more secure. Like onchain ( make sure it's large enough to warrant onchain fees if/when they spike again)

Coinos does not have a wallet seed because really you have a coinos account, not your own keys.