A wallet generates your seed phrase, derives addresses, watches the chain for your transactions, and signs spends. "Which wallet has my bitcoin" really means "which keys control which UTXOs" — restore the same seed in two apps and both show the same coins.
The taxonomy that matters: hot vs cold (keys online or offline), custodial vs self-custodial (their keys or yours), single-sig vs multisig. Our
wallets section ranks the top three in every category.