yeah those are totally reasonable opinions to have ❤️
the main tradeoff IMO is liquidity and administrative overhead in running a LN node.
also the "provability problem." the user cant determine if their privacy is broken on LN.
but i also use LN like you describe and its mostly fine (thanks to nostr:nprofile1qqsrf5h4ya83jk8u6t9jgc76h6kalz3plp9vusjpm2ygqgalqhxgp9gpzfmhxue69uhk7enxvd5xz6tw9ec82cspp4mhxue69uhkummn9ekx7mqpzpmhxue69uhkummnw3ezumrpdejqd2970s)
but when it starts being a larger amount ...
like 500k sats and above, then I use monero.