For Ark users, as long as they refresh their newly received Ark BTC and continue to refresh once a month thereafter, they are almost entirely free from counterparty risk. The downside is that each refresh requires waiting for at least one Bitcoin block confirmation.

For native Lightning Network users, the BTC they receive over LN is almost immediately free from counterparty risk. The downside is that they must open and manage their own Lightning channels and maintain sufficient inbound capacity.

This is a cost trade-off between opening and managing Lightning channels and waiting for a refresh, followed by monthly refreshes.