This four-tier #Bitcoin wallet hierarchie works well in practice:

1. Cold Storage for savings, potentially multisig - receives from and sends to …

2. Own full node with hot wallet for JoinMarket, used for onchain earning and spending as well as funding …

3. Self-custodial Lightning node for spending larger amounts and maintaining (potentially private/unannounced) channels with …

4. Custodial Lightning account for everyday spending and receiving. See this as a kind of top-up purse, which you use with rather limited amounts to not doxx your full Lightning liquidity as well as improving privacy when receiving. As custodians are well connected, this offers a good experience and lowers the hassle to maintain too many channels yourself.

Recommended tools: Sparrow Wallet, Joininbox, Zeus and Core Lightning for the self-custodial part. I like Blink, Wallet Of Satoshi and/or Alby for the custodial part, however: Use them with caution and only limited amounts.