Think like a bank, not just be a bank...

A. HODL = your "central bank" with most of your stash, your reserve bank, barely moving it, onchain

B. CACHE = your "commercial bank" with medium size amounts, for redistributing to HODL and SPEND, onchain and LN, nodes channels etc

C. SPEND = your spending pockets, with small amounts, enough to cover your regular spending, LN, with funding source from your "CACHE bank".