lightning protocol is an elegant solution to minimizing the cost of trust, the main risk is having a channel force closed and having to wait up to 2 weeks for it to come back to your onchain wallet

and really, it's just a matter of prioritizing this to save some sats to do this, once you have 2-3 outbound channels open (so, about $1500 worth) you can just keep putting money through it, in, out, it's cheaper by literally 1000x than a credit card or bank transfer, and even cheaper than onchain fees, for a reason, because it's avoiding doing onchain