Here in our country philippines we use coins ph,, it an all in one bitcoin site,
Its an exchanger,you can pay your bills ,book flight tickets,buying steam wallet coder, buy top up for your phone,and lastly you can exhange your btc into fiat and withdraw anytime you want.
No, don't use an online wallet if you can at all avoid it. Web sites should serve as service providers, not as storage for one's precious coins.
I only use that site in buying top up for my phone and exchanging my btc into fiat.,but my btc were on coinbase and blockchain for security purposes..and i recently created a xapo account