That definitely keeps it simple. Newcomer friendly is always good

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Yea, and the key with any of these wallets is to only keep pocket money amounts on them. Even plain old self-custody lightning where you open a channel to someone, you shouldn’t be keeping large sums of money in them. But for spending amounts, a reasonable amount of cautious risk is ok.

Agreed. Keep most on L1 and move stuff around when needed

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