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Okay, for the sake of keeping things simple, I think you should withdraw your USDT using the Ethereum Network to your ETH account in Ledger Live.
The reason for this is, you will have a much easier time finding liquidity and pairs later when u want to trade for a token, if you’re using USDT based on the Ethereum (ERC-20) network. This is why you want to withdraw using it to an ETH account.
You could withdraw it to Polygon but it’s going to be a lot messier for you later and you’ll potentially run into errors with spreads because most of the pairs you’re looking to trade with won’t have actual trading pairs listed, or the spreads will be less than ideal if they do.
Are you looking to do this purely because of fees? If so that’s understandable, but for the sake of ease, I think doing ERC-20 USDT off of Binance to your ETH wallet in Ledger Live would be the route I would personally take.