Managing a node and channels is too much work and costs too many sats. I'll stick to custodial lightning, probably forever if the tradeoff is that my daily spending could get rugged but in exchange I don't have liquidity restraints or have to manage a node. I'm okay with having a couple hundred dollars worth rugged. I keep my savings in cold storage (no hardware, just steel plates) and another small chunk in 2FA liquid. If my custodial lightning wallet needs some more sats for a transaction, I just use boltz exchange to top up from sats in my liquid 2FA wallet. I'm only ever at risk of getting $200 rugged. The benefits far outweigh the risks. Honestly, I could just keep enough to zap (like $20) and just top up my lightning with boltz when I actually want to use the sats to make a lightning purchase. Takes less than a few minutes and costs less than 1k sats.