Under $100 is ok to keep in Primal.

A step better is to withdraw to another lightning wallet, but unfortunately the good ones are blocked in the US (it's possible to install, but quite tricky on iPhone. If you have android, we can guide you).

Using lightning (like what Primal has) for anything over $500 doesn't currently make sense and so at those amounts you should get a "hardware wallet" (I hear Bitkey is simple to use, I like Trezor... we can give you more options if you ask).

When you get over couple thousand $, then it make sense to create strong backup solutions that are provided by Casa and similar companies.

Another option is to come to Costa Rica, or El Salvador or other places where you can actually spend the sats (from your Primal, or another wallet, doesn't matter). There are a bunch of online stores where you can also pay with bitcoin from your Primal. Or using your primal you can buy gift cards for Amazon, Target or anything and use the sats that way.