At what point do you decide to move your crypto to a hardwallet?

Basically, is there a specific threshold you have in mind before you move your crypto to a hard wallet? Since moving your crypto costs fees, when to do it is something to keep in mind. Do you move it to your wallet right away after buying crypto, even if you lose some with every movement? Do you wait until you accumulate a specific amount of crypto or $$ amount before deciding it is no longer safe to keep it in the exchange?

Ps: you all know what I mean by hardwallet, don't act dense about it. Obviously it refers to cold wallet storage.