I guess it's a matter of risk preference. Risk being rugged by 
custodians, or risk slippage in price. 

You might never be rugged. 
Or maybe you get rugged and instead of losing 5% from using Monero,  you lost 100% from being rugged.

Up to the person to decide, but I don't think there is a risk-free or cost-free option. You pay in time/money/hassle