My cold storage is savings/retirement/inheritance funds.

I use Phoenix for larger lightning balances.

WoS and Alby for zaps. ⚡

I use edge wallet as the hot on chain wallet on my phone even though it supports dozens of shitcoins that I don't care about. It has an acceptable security model to use as a checking account as long as you use a strong passphrase to encrypt your key file. It also supports Monero for when I don't want to broadcast to the world who I'm doing business with.