I think from a basic perspective you ought to separate your wallets and products by use case. That will then dictate the best stack of products you shld use.

I like the combo of sparrow and jade for cold storage. Sparrow has amazing functionality and is easy to use while still having advanced features. Downside is this is desktop only (but you don't want cold storage on your phone anyways)

I like to keep a muun wallet for medium size purchases as well as using it as a general deposit wallet. This is usually where my fold, fountain, or whatever other small sat balances tend to go first. Stack a bunch of sats over time then send a single onchain to cold storage or lightning for a purchase. It's fast and combines my lightning and onchain balances in one. Its like a stacking hub where I can batch a bunch of small lightning transactions into one big utxo to send to cold storage. Due to its use of submarine swaps, the UI combines your balance and just shows a single amount. Downside is lightning fees (sending) can be a little higher here since submarine swaps still require an onchain transaction. But it's on mobile so I have it with me always and it's layer agnostic

For zaps, I just use wos. It's simple, easy, and I'm fine if I lose that balance. I simply top it up whenever it runs low and I'm off to the races. No fuss.