On the whole, the much simpler and easier option is to start using Lightning Network. More and more vendors are now accepting LN, you can open a channel when fees are low and then spend whenever you need to, instantly and cheaply, regardless of what the current mempool status is.
How many people are using custodial wallets like Bluewallet because they don't want to manage an online node and channel liquidity 24/7, though? This seems really common, but I don't know that there are any statistics about this. Hopefully Watchtowers and better UI in non-custodial wallets will turn the tide towards better (trustless) practices.
If the choice is between holding/using an altcoin and using a custodial LN wallet, the latter doesn't seem any better.