The built in wallet is for rolling around money, zaps, coffee, 10,000 Sat football bets type stuff. It’s similar to a bank that makes all of this easy. When you get to having your own bank, you’ll want to step up your game. A solid beginner hardware wallet is a BitKey, all in is a Cold Card and there are dozens in between.
Listen to the Rabbit Hole Recap podcast to get the big picture of current events and just coolness.
Have fun!