0.01 BTC: Small BTC Stack, Big Self-Custody Question

Been DCAing very small amounts and have now reached around 0.01 BTC.

At this amount, is it worth moving the BTC to a private cold wallet, or is it reasonable to keep it on an exchange like Binance for now?

I generally follow a simple rule: don’t get involved in things you don’t understand yourself. Cold storage is something I’m still learning about, and it feels like there’s always some new potential risk or failure mode that could come up and affect the funds.

For Trezor-type hardware wallets, I feel that relying on a third party always introduces some degree of risk, whether it’s a wallet company or an exchange. That’s why I’m more interested in creating a completely offline wallet myself using an offline device, rather than relying on a dedicated wallet company.

For those who have gone down this route: at 0.01 BTC, would you self-custody, or would you consider the amount too small to justify the added complexity/risk?