Unpopular opinion but.... I've lost more sats by running my own lightning node vs sats on a custodial wallet. I've also spent more sats on a non custodial wallet (channel fees) than ove lost on a non custodial. That's not to say a custodial wallet is safe but at least it takes away the element of your own stupidity.

That said, I'm still gonna push for self custody because it's important. Sometimes you must sacrifice smaller losses to prevent a larger catastrophic loss.