most of the coins you mention are altcoin and it's very risky to move those coins because of fluctuation. So it's not safe to use those altcoins for saving withdrawal fees. I suggest using TRC20 based USDT coin for the fastest speed and lowest withdrawal fees. I use TRC20 based USDT coin most of the time because it's fast and there are no withdrawal fees.
The transaction speed is almost instant so I believe the fluctuation is less of your concern if that's the only thing bothers you. Some wallet doesn't support this coin since its on Tron Blockchain so it's still depends on the wallet that the user use to decide what coin to use for withdrawal.
Good input OP, I never thought that XLM has a low transaction fee. I usually use XRP since most of the wallet supports it.