What is the best way to transfer USDT?

I am quite curious about the most efficient method of transferring USDT. I understand that there are various options available, such as using exchanges, wallets, or even peer-to-peer transactions. Each of these methods has its own advantages and disadvantages, so I'm trying to figure out which one is the best fit for my needs. Could you please provide some insight into this matter? I would greatly appreciate it if you could also take into account factors like speed, cost, and security when suggesting a method. Thank you in advance for your help.