I let the sats accumulate to at least 0.05 BTC and transfer to a cold wallet for longterm saving. I also keep a couple hundred U.S. dollars worth in a lightening wallet. I’m nowhere near an expert though.
Discussion
So I guess more directly to your question, I don’t manage keys on River and don’t “trust” beyond about 0.05 BTC so far, but I do like River so far and pretty much ignore the BTC price day to day.