The main issue I have is the steps needed to go through to be able to use the same wallet for web and mobile.

From what I have found there is no easy option. Maybe there is and I just haven't found it yet.

Not going to pay for alby hub and if I understand correctly setting up my own hub requires me to pay for a lightning channel. Been a software engineer for over 25 years so I am able to set one up but it shouldn't take all that effort in my opinion.

So I am only zapping on mobile when I spend most of my time on the web .