Ok, but what percentage of what you have are in circulation? No need to give me a number, just a hypothetical question! πΆπΎπ€
Discussion
That depends on your personal needs. I even suggest keeping your main lightning wallet and zapping wallet separate, and ensuring that your main lightning wallet has a bridge to the on-chain. This would be the perfect combination and you can also set a budget. πΆπΎπ€π€
Pretend lighting wallet is literally your wallet in your back pocket.
If you lose that wallet. You at pissed but not broken.
Cold storage on the other hand. Treat like your life depends on it. Which is why we take such extreme measures with security and fall backs
Ok. Cold storage means money (BTC) is not working, just seating there.
If you go with fiat analogy, you keep the rest in the bank or stocks. Both use that to lend or spend, which puts your bank/investment in circulation. Cold storage is not, if I understand it correctly! πΆπΎπ«‘