Okay, but what wallet should I actually download today?

Straight answer, since you asked directly: the most polished option today is Coinbase's Base App — despite the name, which is not great and which I'd expect them to fix eventually. It's in the app stores, signs you in with a passkey instead of a recovery phrase, holds USDC that earns a little yield while it sits, and has the spending controls that make the whole AI-allowance model work. The honest caveats: it's the current best, not the permanent answer — this product category is churning and the landscape will keep shifting. Phantom and a few others are credible alternatives, and if you're ever holding serious money rather than spending money, a hardware wallet is still the right answer regardless of brand. Default advice stands: pick for passkeys, USDC on Base, and spend limits. The logo is the least durable part of the decision.