My advice is self custody the bulk of your bitcoin with a detached signer device like ledger, trezor, seedsigner, etc, and move it to WoS for spending.

Typically you only wait about 10 minutes from initiating the on chain transfer to the wallet, and you can then spend it. It's exactly what I'm doing, Ledger with bitcoin only and WoS for spending on such as bitrefill and putting things in here.

I use this in combination with Kraken to have my sats traded out for EUR and in my bulgarian instant SEPA capable iCard, I'm good to go, most of the time, in about 20 minutes, where if I do the transfer to Kraken on chain it is 40 minutes just until I can trade it. On average. Can vary as much as 2x that.