LN wallets IMO are for spending and I wouldn't put on them more than $500 which is not one day spending in normal day to day scenarios.

You could configure LN channels and feel more confident to increase the amount, however, currently, that requires knowledge and skills to do it right with low risk in terms of security and privacy. And still, I wouldn't risk over $500...

While sending sats with LN, if you attempt more than $400 it will be difficult, most channels will not have the capacity and therefore will use a swap to main chain and back to LN to complete that tx. In this scenario if not a large quantity, you could divide your transaction in chunks of $400 and be done in few minutes, inconvenient but better than 10-30 min waiting for a L1 tx to clear if you are in a hurry

LN is evolving and quite probable, in the near future will become more robust and reliable for anyone to open channels in a safe and private manner, meanwhile , other people is working in other solutions on L2 that will compete and may become the most used. The solution that offers more decentralization and control to the user will win, and LN is currently the alpha

For me the best part is that the more L2 solutions for spending are created the less transactions in L1 and therefore low fees and less issues