So can you send real Ardor to your testnet account? I converted a small amount of ETH to Ardor yesterday and it looks like I messed up as I still haven't received the funds. What wallet would be best for a small time user?
No, you cannot send real ARDR asset to the testnet account. Use this wallet (1.11.4) which works on mainnet and try open an account with your testnet account passphrase. You should see your Ardr here, on mainnet, as same passphrase opens the same account id, being it on testnet or mainnet. Just transfer later your ARDR to new mainnet account, as it is suggested not to use same passphrases on testnet and mainnet.