Defi noob here, wanted some advice

Hello guys, im interested in starting to invest some of my money in crypto, i have been studying about defi and i've decided i want to hold crypto as a long term investment.

I am trying to decide if i just want to buy crypto and hold it, or put it to work on sone Daaps, my plan was spliting my money in a 60% 40% ratio, using the 60% to buy stable coins and lending them for a yield and the other 40% to buy btc and eth for long term holding.

Then i learned about makerdao and the liquity protocol, and how i could use my eth to get a loan and then use either Dai or Lusd on a lending protocol to get a yiel on that while also holding eth.

I wante to ask you guys about the risks of MakerDao and liquity, and the risks of lending money in protocols such as aave, compound or just lend. Also if you guys have a better defi strategy you would like to share, I would higly apreciate you sharing it.