I haven't dabbled with liquid, and I suppose different folks will have varying comfort levels and can adjust their thresholds accordingly. But yes, a layered system like this with security escalating by stack size seems smart. Convenience is always a security trade-off, so this type of thinking keeps overall risk low while allowing you to transact with ease.

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Definitely check out green wallet by Blockstream and Boltz exchange then brother. Amazing tools.

Also, using liquid will really save you on main net fees if/when they are too high to warrant sending smaller amounts.

Yeah, that's what I gathered looking at it. It's definitely an interesting system.