The obvious benefits of using Alby/Primal wallet is not having to commit a ton of sats to use lightning network, and is essentially free to use.

How many sats should a person take the jump to a self custody lightning wallet like Mutiny/Zues with? The obvious downfall here is starting to pay fees, and risk of loss via being an idiot. What are the main reasons a person would want to do this? Asking for a friend who has no real places to spend bitcoin at the moment.