It's simple mate. You got a Bitcoin wallet as your savings account. You got a Monero wallet as your checking account. You swap some Bitcoin to Monero for some expenses.

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Any good ways to make those swaps without relying on a 3rd party while preserving privacy?

Even if there is, I don't think that's very good UX from the normie perspective if they have to trade, manage multiple assets and run multiple protocols and wallets 🤔

Something like Cake Wallet (or others), have both in it. You can swap right in the app for under 1%

As far as trustless no 3rd party swaps, there's Haveno now, which is fairly easy to setup. Bisq already. And BasicSwapDEX, which is a pain in the ass to setup now. Also Serai just got funded over 100k for audits, that's a DEX. And another dude has been telling me about his project as well. All of these offer trustless swaps of BTC and XMR both ways