A user is looking for an affordable and safe wallet to transfer Bitcoin from a CEX to a personal wallet without paying high fees.They are exploring different wallets such as Electrum, Muun, Phoenix, Wallet of Satoshi, Zeus, Blixt, and Breez.The user is concerned about high withdrawal fees, initial deposit requirements, safety, and transparency of the wallets.They are also seeking guidance on how to properly close the Lightning channels and return funds to the Bitcoin main network.