I’m also not an expert of lightning, but I don’t mind keeping some spending sats on a custodial wallet. If you need to add more sats, it only takes a few minutes.

Maybe lightning as a checking account isn’t the best analogy

What I like to do is keep a majority of sats in cold storage as a savings account. Put some sats on a non-custodial hot wallet, and then refill my custodial lightning wallet from my hot wallet whenever I need to

So the hot wallet is my checking account, and the lightning is more like cash in my pocket