That's a very fair fee. I really like Coinos.io, and use it send zaps, but I receive zaps and do most of my lightning payments using Minibits. I like Minibits because in addition to lightning, it's also a full ecash wallet. With Coinos, you can create ecash tokens to give to others, but you can only redeem ecash tokens created by Coinos' mint. That limits its functionality for me, so I primarily stick with Minibits. But if I have to move sats to my on-chain wallet, it goes through Coinos because Minibits doesn't support on-chain transactions. It's tough to find a wallet that does everything, so you just gotta go with what provides the functionality you use most, and use some other wallet to handle what your main wallet doesn't.