I like to use custodial services for small payments and zaps, for large amounts of course self custody onchain is the safest.
I use nostr:nprofile1qqsf07zg4hxyccnkdp07fppxmetpfzru3fg6mgzx3nk8r7af8qnjjygpzamhxue69uhhyetvv9ujuurjd9kkzmpwdejhgtcpzamhxue69uhky6t5vdhkjmn9wgh8xmmrd9skctcppemhxue69uhkummn9ekx7mp066595x for my zaps and lightning purchases and transfers.