Everyone says not to keep your bitcoin in an exchange, but…

…What if I don’t trust myself to keep the seed phrase or my cold wallet safe, and i believe the risks of the exchange losing access to my bitcoin is lower than the risks of me losing access to my bitcoin? Then surely the exchange is the better option to keep my bitcoin?

For context, I don’t have a home at the moment, I am a digital nomad and will be for the foreseeable future. I do have an address I can use (my family’s) but I am on the other side of the world to them and don’t plan to visit that address for a long time. I don’t trust carrying cold wallets with me whilst moving around so much.

Should I still get a cold wallet?

EDIT: I am a UK resident and Bitcoin ETFs are not available in the UK.