On-chain for savings or larger payments that are not very time-sensative.

Liquid L-BTC atomic-swapped with lightning for meidum-sized, time-sensative payments.

Custodial lightning via Cashu for smaller-sized, time-sensative payments.

* nostr:npub18ull0tdnj9vugtq259k48szg80al44ta7g4fa85nvj3svaq7kt8s9udcl9 wallet is my current go-to for moving funds between the 3 modes.