It's literally the same you were already doing with fiat.

1. keep the bulk in cold storage (savings account/bank)
2. Keep A convenient, but save amount in LN channels (spending/receiving account/ bank)
3. keep a minimal amount in Custodial/hot wallet for ultimate convenience (cash)

The actual split would depend on both your stack and your spending habits:

If you're super rich but spend a little:
95/4/1

if you're super poor but spend a lot:
50/40/10