High fees

I'm looking at experimenting in DeFi with some liquid pools. I'm thinking just doing USDC and dai. Was thinking it would be best to do it on pancake/ape swap or quick swap on matic due to lower fees. Is this right? If I'm only say putting 50$ into a liquid pool I can't afford to pay a ethereum gas fee, but on matic or BSC it's almost free I think

Is it less secure on matic compared to ethereum because matic is operating as a layer above?