Crypto wallet

Anyone here who uses Zengo / Tangem? After some researching I came down to these two and need to decide. Ledger and Trezor have some disadvantages so I probably won’t be considering those. What do you think about the ones I mentioned? Do you have better alternatives? A cold wallet is better than a hot wallet, but would you recommend a cold wallet for any amount, regardless how small? Or would you keep it on the exchange if it’s not that big of an amount? And what about long term? Do you need to always buy a new wallet every couple of years, regardless which brand?