Sounds like Alby + coinos is perfect for you then bro. If that changes in future, I'm sure you'll find something better that suits you. Btw , what's your Coinos username?

And I've not tried Mutiny. Before Phoenix, I was using Zebedee but that wasn't for me, either.

With growing Bolt12 cross-compatibilty, (Breez just adopted it, fyi) I think using LN will become seamless and it'll just work without users needing to figure out and decide on technical details and such.