Why would I pay to move my erc20 tokens from CDC to TW?

The fees are literally 20-30% of my total investment which isn't alot of money. My bag is like 1500 CAD and nearly half of it goes to fees. Is security really that big of an issue? Can I be safe holding erc20 on exchanges? Or regardless of the detrimental fees, I should be moving to a hot wallet/cold wallet?

I do have the nano x, however, the fees are very concerning for me when my total bag invested is less then 5k.

Hope I can get some honest answers. I am fairly new to this and I need help essentially on tips/tricks to maybe avoid fees or what my best options are if I am holding long term.

I understand the debate on hot and cold wallets exists, I am not asking for what I should do, my main question is: does security Trump the fees of transferring from exchange to a hot wallet like trust?

Td:lr I have no idea how to transfer without being destroyed by fees.