If you aren't using self custody, are the etfs better?

I don't plan on doing self custody likely until sometime after this 12-18 month post-halving run. So I got to thinking, with fees generally being around .45% to buy and sell BTC, would it not be better to buy like FBTC with the .25% ER if you intend to liquidate for some expenses within the next year or two? Or would buying the BTC straight up still be the better option in this circumstance?