Muun wallet is good advice as it is self-custodial (although it uses a different back up and restore method from the BIP 39 words that you may already know. TBF, if you are worried about having your stack in a hot wallet, then I strongly recommend getting a hardware wallet, and learning how to use it with small amounts first. Trezor and Ledger both decent for your first (there are more hard core options, but look at those later!). A Trezor will be very good opsec for the vast majority of hodlers and using one will dramatically increase your security. Keep small amounts in your WOS for zapping!