I think the options here are driven by which coins you’d like to hold and whether you’ll be interacting with hardware wallets. If you’re thinking Bitcoin, and have a particular hardware wallet in mind for the future, perhaps give Electrum a look. BE CAREFUL WITH WHERE YOU DOWNLOAD CRYPTO SOFTWARE

In the places where I’ve had to make similar decisions, I’ve used the need for ‘advanced’ features to make the call. If I’m looking for storage or networking redundancy, or I’ve been interested in running multiple hosts systems, or I’ve been looking to play with overlay networks, then I’ll grab Ovirt, Proxmox, VSphere, or Openstack (depending). When I just want something simple-ish, I just KVM / Podman on a Linux machine.