So many lightning companies are getting rekt right now by compliance, I know first hand.

I think rug risk is up a LOT right now.

If you just keep a balance in a custodial wallet, for zapping, keep it to an absolute minimum and be ready to truly lose it.

If you have more than you want to lose, but not enough to justify on chain fees, consider swapping them for L-BTC on boltz.exchange

Imho