LN is just a spending layer. You can use it without having to give up your privacy entirely and you nobody cares about losing 20-30 bucks if that wallet fails or rugs. You setup the next one. The HODL is something else and you don't HODL on LN.
Discussion
...or just use one that doesn't compromise on usability, privacy, or security.
I have to ask, are you pushing all those utxos to cold storage in chunks of $20?