If you have self custody over your LN channels you can keep whatever % of your net worth on them as far as you trust the hardware you run the node on.

I already had a scare last year when my node's data drive suddenly died and I almost lost all of the funds stored on my lightning channels.

So make sure you account for that.

For my personal use I keep under 5% of my sats on my lightning channels.

Under 0.1% spread over custodial lightning services like alby, and minibits.

I stack on lightning with the @lnp2pbot on telegram and when my channels get too full I just make a large swap to cold storage where I keep the rest with UTXOs that are not smaller than 5 million sats.

When it comes to liquid I've only used it once when my disk died last year. Fees were over 500s/vb and since it took me some time to repair my node all of my lightning peers force closed the channels forcing me to use liquid and custodial lightning solutions until fees went low enough again to justify opening channels again.

My advice is learn the trade offs of each tool and use it when it makes sense for your current circumstances. And evolve your use cases as the circumstances, and the tools change.