ACINQ phoenix for lightning users that can't run a full node, ZUES if you want to manage your lightning channels yourself, and then #cashu for receiving small payments while the user is offline (Having an LN Address). Cashu offers better privacy and you don't have to kyc or ask for permission.

For everything else, pick a full node solution. Obvously a hardware wallet for larger amounts.

The idea here is to maximize self custody, privacy, and ease of use.