How to buy XRP or XLM?

Could you please explain the steps involved in purchasing XRP or XLM? I'm new to the cryptocurrency world and am looking for guidance on how to get started with these specific coins. Is it necessary to have a cryptocurrency wallet? And what are the best platforms or exchanges to use for purchasing these cryptocurrencies? Also, are there any specific factors I should consider before making a purchase, such as fees or security concerns? Thank you for your help in navigating this new territory!