The best easy option at the moment is in my opinion Phoenix. It's both non-custodial and easy to use, with clear and well-defined tradeoffs. Not that you'll have to pay a one-time setup fee (usually a few thousands of sats): that's because you have your own real Lightning channel opened automatically by Phoenix when sending sats in for the first time. In other words, that's the (little) cost for self-custody.

The best option overall is to run your own "full" Lightning node. But Phoenix itself is already a "light" Lightning node, so that's a very good start already.