Brainstorming (I don't know if there is one good answer). I have a service provider that wants to accept payment for a service as their first BTC. It's not enough to buy a HW wallet.

They will probably do more hodling than paying, but it would be nice to have lightning capability as well. A couple of considerations:

Breez - Percentage fee is 0.4%, which is doable. Non-standard backup (with access to the cloud) that you can't restore on another wallet - will this backup work in 5 years?

Phoenix - A bit higher fee for starters, percentages of the amount will count. It's a non-standard backup, so the question is whether in 5 years when they remember it they will restore it from seed (need access to the cloud, app must work and still be developed, ...). I don't know how the migration to those new sliced channels will work. The backup is phoenix-only.

Muun - not a standard backup, but can do lightning payments and can be recovered if Muun is not developed. It's not a lightning wallet, so fees are always on-chain.

Green - doesn't have a single balance. Option to select non-standard (multisig) but also standard option, though it is incomprehensibly legacy segwit and not taproot. Will have lightning but will need to migrate balance to lightning, there is no unified balance.

Edge, Coinomi, ... - don't have lightning, but they're perfectly standard HD wallets and are cross-compatible. Highest probability to restore using seed in the future.

I understand that the standardness of the backup and lightning are currently incompatible, so I have to choose one or the other. It will be around 2M sats.

Mostly I would like to avoid some rugpull (Blue Wallet stopped supporting lightning) or some old scheme they stopped supporting (some exotic Armory type wallets, ..)

#asknostr