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I’m going to go out on a limb and guess that f2pool is acting on behalf of US OFAC sanctions for Chinese diplomacy reasons. Xi was just in town, supposedly asking for lots of USD. This would be a low key way to fig leaf their way back into Biden’s heart. Maybe?
probably depends on what software you're using. I've had good and bad experience with different mobile software, but I'd say generally mobile software has less options for utxo management. also, having the software on your phone is cool but do you carry your signing device everywhere you go on a necklace or in a hat pocket like some ledger commercial? probably not.
I'd say for most people either is fine it just depends on how much control you want over your sats.
of course it might be best to run a node and electrum server so you can verify your own transactions with whatever software you use.
GENESIS