Which wallet do you use for mining?

*Before someone says i asked this already, i kinda did in a way, just not as much detail and that post turned into a bashing of different coin wallets... i really didnt get the answer i was looking for..

I am trying to understand more on which wallet or exchange i should go for on my mining efforts...Currently i have JAXX wallet with a decent chunk in it.. but now that im thinking of the future i have no clue how to exchange the money out from it into USD without paying an arm and leg....

Today i was curious how much it would cost me to transfer money from my wallet to a coinbase account i created.... I chose the lowest fee option for transfer of BTC and to send $10USD worth of BTC the fee was $2.79 worth of BTC, so $12.79 to just transfer the $10 to coinbase.. then coinbase is charging me $0.99 worth of BTC to withdraw those funds to my bank account... so from start to finish it cost me nearly 40% of the original amount to get the funds in USD.. just seems like rape to me.. (This was my first ever withdraw of BTC to USD... so im learning)

After doing some searches i see a lot of people saying coinbase is crap, slow and freezes your funds.. but in nearly all the cases i seen that they were frozen.. it was because the person failed to finish the ID verification process.. which to be honest im not to worried about if im thinking of turning the mining thing into a small side business idea....

I see a lot of people mention they mine to Kraken or Poloniex accounts, but i have no clue how much it cost to get those funds transfered into USD somehow later on... because im not finding any built in options to sell BTC into USD on either platform or am i overlooking this?

One really interesting thing i did find was someone who mentions he mines using coinbase as his main wallet, then he uses the Visa Shift Payment card linked to coinbase to purchase everything from day to day.. he stated there is no fee to use it within the USA to purchase stuff as a normal transaction, the fees are all on the withdrawl at atms and banks... so he mentions when he wants spending money from his BTC, he just goes to the local grocery store and buys something he needs and just ask for $100-200 dollars back depending on the store policy.. which pulls from his BTC account without any fees charged.. unless he is not mentioning something......just seems like the logical route to go about things for now...am i wrong?

Also i have been mining Skein Algo on Zpool and between the Calculators and what my actual earnings im seeing, the difference is about 20-22%... after many people pointing me to a huge post on them stealing money.. if i am understanding it correctly it seems the cost is the hundreds of transactions from the coin you are mining from them converted into BTC just adding up over time.. so many mention you can get around this and make more by just mining a non-auto exchange pool and just get paid directly to DGB for skein... then exchange it to BTC on my own when i need to or when prices are best.. My JAXX wallet does not have this wallet available and im not seeing it on coinbase.. so maybe one of the exchanges has this as a wallet?