I ended up using nostr:npub1getal6ykt05fsz5nqu4uld09nfj3y3qxmv8crys4aeut53unfvlqr80nfm Hub with their cloud hosted solution. It works great and with the Friends and Family app I was able to connect my kids to the same node.

I followed nostr:npub1rxysxnjkhrmqd3ey73dp9n5y5yvyzcs64acc9g0k2epcpwwyya4spvhnp8 tutorial to a T including paying for a first channel for inbound liquidity and then using some on-chain funds to create a second channel with enough outbound liquidity. Thanks for the tutorial!

So far the experience is good.

Plus: the kids accounts operate from the same liquidity. I believe sats don't leave the Lightning Node when I send sats to any of my kids 😂

Cons: the Alby Go app lets my kids create a getalby.com Lightning address but the address doesn't work for receiving sats. They can only receive with invoices. I hope Alby changes this soon. So much easier when sending money to them.