I have all my coins on exchanges. I'd like to keep some in cold storage. I know I can create one at walletgenerator.net. But I'm scared because I think there might be a better way or it may not be worth it at all. If I'm going to lose 20% sending it there and 20% sending it somewhere else it's not worth it. What fees could I expect sending .1 BTC from an exchange to that wallet and the fee sending off there? I hear about segwit and lightning all the time, but have no idea how that works.
I don't think the wallet from walletgenerator.net is segwit or lighting, so is there a better wallet to use? Is it even worth it, or am I better off with LTC? Can you recommend an exerciser I can do with a small amount to quell my stress? Trading advice is everywhere, but finding reliable answers to wallet and security questions is near impossible.