How do you avoid the Phoenix fees if you don’t have enough channel liquidity?
Discussion
For that, you'll realistically need your own node. Even with your own node running, you're not going to avoid costs completely.
Phoenix may charge 1% or more, but a lot of that is due to on-chain setup costs. If you run your own node, you can purchase a channel through Magma/Hydro that matches how much you are likely to receive whereas Phoenix will struggle to predict how much liquidity will be required to service your needs.
Setting up a node will cost ~$400 in parts plus a lot of learning or it can be run through voltage for ~$30/month and less learning (and less rookie mistakes, probably).