Thank you so much guys. Appreciate your answers!

Hello. I am new here. I bought my first bitcoins a couple of days ago and they be sitting in binance.
I've heard i should probably move my bitcoins to a personal wallet. I have downloaded Electrum and created a 2FA "segwit" wallet, and so every address it generates starts from "bc1" and i guess is related with the "segwit" transfer network. I am not entirly sure of what transfer networks are or how they work but anyway.

When creating an Electrum wallet i chose to create a "segwit" wallet instead of a "legacy" one because it said "segwit" is newer and it is both cheaper and faster (for fees and transaction speed). Also i chose 2FA for extra security (assuming it means 2 factor authenticator )

Now then... Into binance. I go to Withdraw - Crypto and i choose the bitcoins i want to transfer to my electrum wallet. I paste the "Recipient's BTC Address" (address generated from my electrum wallet) and then i need to choose the Transfer Network. And it has only these 4:
BEP2 (BNB)
BEP20 (BSC)
BTC
ERC20 (ETH)

Basically, if i understand things correctly, only one for bitcoins, the BTC. But I dont see the "BTC(SegWit)" there. However, when i go to the Deposit - Crypto page in binance, there is one extra Transfer Network there. SegWit! Binance has 2 BTC Networks to choose from when you want to deposit, but only one when you want to withdraw. And that one is the expensive one! I dont understand it...

If i choose the "BTC" transfer network to withdraw my bitcoins and deposit them into electrum and pay the heavy fee price of 0.0005 BTC / 20 dollars, is my Electrum's address safe to use even if it starts with bc1 or im going to lose my money? Does the network have to be "BTC (segwit)" ?

Lastly, why is the fee so expensive? 20$ seems a quit a lot. Am i doing something wrong...? Is there another way to minimize the fees? Should i create another wallet?
In anyway, what am i supposed to do now? I have not done ANY crypto transactions before. This is my first time. Hell it took me 3 weeks to even BUY these bitcoins (my first crypto). So many questions, i am so sorry guys I just want to make sure i dont lose my money because i have heard of TOO MANY stories where people lost all their crypto to fees or something else... :/ Hope someone can help me. I asked reddit and i got no answers.
I am so lost!