I use nostr:npub1xnf02f60r9v0e5kty33a404dm79zr7z2eepyrk5gsq3m7pwvsz2sazlpr5 for most of my payments, because it lets me connect to my home node (using Alby as my Lightning address that forwards to my node), as well as run its own internal self-custody node, and connect to custodial wallets for LNURL support.

You can also add a ZeusPay address which uses a HODL invoice method to receive zaps.

nostr:npub1mutnyacc9uc4t5mmxvpprwsauj5p2qxq95v4a9j0jxl8wnkfvuyque23vg takes a different approach where they use a federated ecash mint for zaps that you can redeem to self-custodial Lightning. (This is still a bit experimental and probably not ready for beginner users yet.)

Beyond that (if it’s too much of a hurdle) you still use a custodial Lightning address for zaps and then transfer anything you don’t want to hold there to either of the above two wallets, or another one like Phoenix.

Custodial wallets are not intended to hold large amounts indefinitely and should never be used that way.