Coinbase is relatively trustworthy (publicly traded US company). I believe trading stablecoins has 0.001% fee, and ACH withdrawals and deposits are free[1].
And on the crypto side, USDT transfers on Ethereum (the most expensive chain) are usually less than $5. Currently about $3.40[2]
SWIFT is much more expensive and slower, feel free to check SWIFT numbers.
Also, you're exposing yourself to a non zero risk of whatever exchanges you're using at the time to process your transaction/withdrawal go bust.