I’ll give it a try. I don’t mind. Just one thought:

1.think of your lightning wallet as your “bill fold” you carry only a small amount of cash(cash for the weekend, or night out), rug pull won’t affect much.

2. Think of your “software” self-custody wallet as your checking account.

3.think of your hardware/cold storage as your savings account.

If you think that way, fees/convenience dominate the lightning wallet choice. And just like loosing your billfold (it sucks) but won’t affect your destiny.

Features/convenience dominate the “software” wallet. This wallet is self custody and keeps a month or so of working cash. Typically hooked up to an exchange for moving coin in and out, and sending to your LN wallet.

security dominates the cold storage wallet decision (e.g. multi-sig air-gap multi-vender etc…)