If you understand the limitations and tradeoffs, Liquid (confidential transactions, but addresses are linkable) and Lightning (hot wallet network, I wouldn't put too much money in it) are probably good-enough choices for most cases.

I use them myself too, although Liquid admittedly far less than Lightning.

When it comes to storing a fat chunk privately and anonymously though, that's where Monero shines.

And since I believe privacy is a necessity, that's what I use as the "(oldschool, not cucked) Swiss bank account in my pocket".

YMMV. Personally I don't see much of an issue with using both chains, provided you can easily and trustlessly swap between them.

This is already possible, and it will only get better.