For me, at this point, with the caveat that things are getting better very quickly, I always cater to my audience. 95% of the people I teach aren’t ready to run their own lightning node, so instead I spend more time talking about the tradeoffs. Then 99% choose to use a custodial solution, and only use it for “change” and small amounts. The other 1% I point towards resources that they can use to educate themselves further.