What Centralised Cryptocurrency Exchanges to use for Cost Savings

https://www.finder.com/sg/cryptocurrency/exchanges

I started my crypto journey using centralised exchanges such as CoinHako, Gemini and Independent Reserve. Since the crypto centralised exchange crisis, the perks of using these services are getting lesser and lesser. 

To some extent, direct purchases via hardware wallets like Ledger saves the hassle of transferring here and there. The blockchain network fees for each exchange keeps changing just like bank credit card terms and conditions. 

Bottom line is fewer and fewer promotions are available now in crypto exchanges due to crypto winter making it not worth the time to bother about it.

For Lending Centralised Platforms, I've lost some crypto in Celsius bankruptcy. Pulled out all holdings from Nexo, CoinLoan, CoinHako and Hodlnaut earn programmes.

I still have some crypto left in CakeDefi, technically still considered centralised, but centralised exchanges are no longer the focus.

Strategy right now is to have majority in Ledger, some in altcoin blockchain's default defi staking services and some in other defi platforms.