I think I figured one out. For anyone else who might have the same questions. It's called "the incognito" wallet. the fees to swap coins for XMR seem pretty low.
This is one of probably many different ways.
Personally, i didn't made a swap using my wallet as i always use official clients without addons. Usually, wallets with swap features are centralized apps partnered with a centralized exchange to perform the swap.
I can understand your doubts about using exchanges. But did you try decentralized exchanges or fast swap services that don't require registration and can help swap small amounts for daily use. Check out this list:
[Instant exchanges