I was overcomplicating it too until I just set up a free ripple wallet on Paybis. It's custodial, so no worrying about losing private keys – you just log into your account and there it is. All deposits are real on-chain transactions you can verify anytime, and you can store multiple cryptos in one place. Setting it took like 30 seconds from my existing Paybis account. I can send and receive XRP easily, and there are no extra withdrawal fees besides standard network costs. Perfect if you want something secure but hate the hassle of hardware wallets or seed phrases. Been using mine for months with zero issues.