For lightning payments WOS Wallet of Satoshi (npub1hcw…h9rq) may be the best from fees perspective
1.think of your lightning wallet as your “bill fold” you carry only a small amount of cash(cash for the weekend, or night out), rug pull won’t affect much.
2. Think of your “software” self-custody wallet as your checking account. (On chain held. )
3.think of your hardware/cold storage as your savings account.