Before anyone says that it depends on what I need specifically then here is what I am here for. I can not decide which one really is the best based on the things I want. First of all I plan on holding some bitcoin (not huge amount) for a foreseeable future. However I also plan on swapping it for usdt from time to time aka when the price is getting high. I need a wallet that has low fees, preferably decentralized, and is secure.
Any recommendations?
Since you can easily swap or send them exchange for USDT, then Electrum wallet will be perfect for you or BlueWallet.
These wallets are decentralized and open source, you will be responsible for any activity going on in the wallet because you will be the one holding and maintaining your private key which if you know more about wallet you will know by know that it is like your pin to your account which is your wallet.
I will recommend you to read about wallets, keys and address
in this book so that you will understand how the wallet works and you will know the importance of your wallet private key.