Actual BTC vs Bitcoin ETF

Hi,

24M

I would like to get some exposure to crypto and deciding whether to:
- buy BTC through Coinbase/Kraken and transferring to cold wallet
- buy BTC and leave in Coinbase/Kraken
- buy a Bitcoin ETF like FBTC/IBIT

Suppose a few things:
- Intend to hold long term, think 20+ years
- Do not really care about having “full ownership of the BTC”. I know people say “not your keys, not your coins”
- Prefer to not have to physically own cold wallet, unless this form of exposure to crypto has the most likely chance of highest returns
- if ETF, would be in brokerage and not tax advantaged account
- Don’t need to buy on weekends or market after hours. Okay buying jsut during the week and DCA
- Do not intend to do covered calls or anything like that
- Assume Fidelity won’t go under in the next 20 years (I know it could)
- I care about which has the most growth. Ultimately, I’m thinking about “is the juice worth the squeeze” for owning in cold wallet vs buying an ETF

Would love for any advice you all may have