safest place to keep my crypto in other than cold wallet?

Hi, so i have my crypto on coinbase (40%) , coinbase pro (40%), coinbase wallet (20%) , but i heard, that its not a good idea to have your funds on exchanges. I dont have that much money in crypto so i didnt even think about safety on exchanges, but now, slowly, im putting more money into crypto and i want my funds to be at safer place than coinbase (which has EXTREMELY bad customer support, as i heard on r/CoinBase) So where should i store my crypto (i know cold wallet/hardware wallet is the best in terms of safety, but its too expensive for me, but ill buy it probably next year) Thanks!