Something I've learned over the last few years is that I do not want to be running a lightning node. I'm both technical and financially literate, but a lightning node is a new level of stress I don't need in my life. Happy to risk some sats with custodial node runners.
Discussion
Came to the same conclusion after running Lightning node for 4 years. I just don’t need that headache
When you use Phoenix wallet you run a node on your phone. It's missing NWC and couple other things, but good for the self custodial cases.
This will be the beauty of Cashu wallets with multinut payments. Split sats between 2+ mints, plus massively boosted privacy over legacy custodians, all in 1 UI.