I have cold storage with multisig, cold storage with single sig, a hot wallet on my phone, and custodial lightning wallets for services.
Discussion
That sounds like youalready did the thinking I am now going through. Great setup. How would you partition 1 BTC for example
It depends on you, really. I would put the majority of that in a 2-of-3 multisig cold storage. I personally use collaborative custody with Nunchuk, which I highly recommend.
What you want to put under, say, a tapsigner and a lightning wallet on your phone depends on how much you spend regularly and how easily you want to access it.