lightning is a hot wallet. hardware wallets try to be as cold as possible. I guess there are tradeoffs that could be made, using watchtowers etc, but to me ln is what I use for every day transactions, and my hardware wallet is that guards my savings.

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Yeah fair. I don't make everyday purchases in bitcoin yet to be honest so I'm more interested in buying on exchanges and getting it off onto a ledger at the cheapest price possible.