Best way to store Ripple coins, in my account or download a wallet?

[Ben Shedly]

if you want to store for a long-term investment and the coin supports this possibility, you can store on multi-wallets.  a small number of coins makes sense to leave on the stock exchange

If you do not plan to trade these coins, it is better not to keep them on the exchange. The exchanges are often hacked and your money can be stolen. It is most reliable to keep money in your wallets, and it is best to split them into 2-5 wallets.