You sound like Roger ver. Whateva fits you. Use your 'by default' "privacy" coin. No worries on my side here. Lightning, liquid, ecash, swaps, coinjoin is just the beginning. We will see what monero offers in five years.
Discussion
This is your privacy on "lightning" Mr Wallet of Satoshi
❌ amounts
❌ receiver
❌ self custodial
Lightning doesn't have strong default private. It was designed around fast and cheap payments for retail with privacy as an afterthought. Receiving privacy is bad. And 95% of users are on custodial wallets that see everything anyways (like you).
✅ amounts
❌ receiver
✅ self custodial
Liquid only hides amount and is custodial.
✅ amounts
❌ receiver
❌ self custodial
Coinjoins hide nothing, they obfuscate ownership, but everything is visible. Expensive, slow, and tedious too.
❔ amounts
❔ receiver
✅ self custodial
Ecash is the only one with really good privacy, but too bad it's custodial and mints can print unbacked tokens
✅ amounts
✅ receiver
❌ self custodial
Monero hides amounts and addresses completely and is self custodial 🥱🥇
✅ amounts
✅ receiver
✅ self custodial