Another option is WOS for receiving and Breez or Phoenix for sending, that is what I currently do.

Never send from Wos so you can take your balance down to zero

BUT now you know why I am embracing WOS and getalby for noobs, and trying to teach them the concept of hot, warm, cold wallets.

I suspect that custodial wallets will dominate for lightning micro payments for some time. They have enormous advantages

We need to focus on teaching people to self custody as soon as they get significant money in there.

Over a couple hundred dollars and they need to push to a self custody solution.

Getalby will allow you to “self custody” BUT you have to run your own node, maintain a full Bitcoin node, maintain a channel with a size that can accommodate your largest payment, etc..

If you could do all that you would not need getalby’s services.