I go out of cash app with lightning. I run a lightning node but tbh it's too much work to manage channels and liquidity, it's slow and inconsistent to make successful payments. Do I use alby primarily. But that's custodial. So I only keep 500k there. So what do I do when the balance goes over that when I go out of cash app via lightning? I use atomic swaps to put it in liquid. Where the sats stay in purgetory, self custodied with my same 12 words as my normal hot wallet except my liquid requires 2FA to make a tx. It's a better security model. My cold storage is if course main net. There is no wallet. Those 12/24 words only exist on a steel plate in my safe. When my liquid wallet holds more than a certain amount, I peg put to cold storage where they will sit until I give some of those UTXOs to my children. Liquid offers a reasonable degree of privacy through all this as well.