Ethereum and Bitcoin are really the only coins that suffer from congestion from time to time leading to high transaction costs. This is more apparent on Eth where contract interactions can lead to those high +$20 transaction costs, thats when it might be worth it to wait for when the congestion has cleared.

If you can avoid ethereum's main layer altogether it becomes much cheaper transact, most exchanges support the various l2 layers that have been popping up recently.

I do agree that it takes way too much time and effort for anyone not familiar to the crypto scene to figure out all the different chains, their compatibility, bridges, swaps etc. to make cost efficient transactions.

You can withdraw funds out of Base using Coinbase. Takes a few seconds, it is a legit entity approved by the US govt with all the KYC/AML regulations, and is going to cost very less in a few weeks after the Dencun upgrade.