Those clients who would want to rug clearly don’t care about the community or the people they woudl take advantage. Yes, I’ve onboarded users to nostr without any issues, they weren’t interested in sending zaps. Nostr community and its clients should not pressure users into adopting bitcoin. My take is better to avoid custodial wallets and don’t use lightning at all vs loose your sats.
Discussion
This is where it definitely helps to know the people behind the client. I've met the Yakihonne team on multiple occasions, so they have my vote of confidence. The thing I always tell anyone is never put all of your sats into a single place, and learn how to transfer out of wallets used for zapping to wallets used for HODLing.
Covered that in my book like this:

I might revise that downward. A month is a lot. Maybe two weeks, max.
Yeah, definitely depends on your comforts, your stacks, and what you’re actively doing with it at any given time. Based it on income to make it relative to the person reading. This seemed to match the risk levels acceptably.