You'll need to have enough funds to open a channel, pay for the service, and to load whatever you want to have to spend. I'm not sure where you're at in your btc or nostr journey. Primal is really easy to set up but you will have to provide them some personal information. Strike is another. There isn't a whole lot of middle ground options right now.

Another thing... It's not real complicated, but again, my working knowledge is limited... if you visit npub.cash you can set that up to receive zaps as btc backed ecash that you can later move to your wallet. I don't know if sending is an option but at least you can start receiving that way.