Yup!

Basically

Convenient tipping/receiving = custodial apps like alby, strike, etc

Larger amounts of Bitcoin but still convenient spending over LN = custodial lighting wallets like Phoenix, breeze, or your own LN node

Your real stash for long term holding = cold/airgapped wallets like coldcard, foundation, bitbox, trezor/ledger (although they are kinda shady also...)

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Discussion

There's no real win situation unless you run your own node but that is... pricey. Thank you so much for your guidance Dan!