Take a look right now at the amount of bitcoin you have in any "wallet" you don't fully control and ask yourself how you would feel if that balance were to suddenly disappear. It doesn't matter how much you trust the entity holding those sats for you. Shit happens. It's all gone. How do you feel?

Anything stronger than "a little miffed, but I'll move on" and it's time to start taking custody of that coin.