I am (2): I know the "dangers" of custodial for my sats, but I know how to mitigate that aspect. If you really know how to manage your custodial accounts, could be a really good decoy to protect your privacy.
I personally consider all those in the (1) category too extreme. They are right in the essence but in practice they know almost nothing how to deal with non-KYC custodial accounts and how to take advantages of these.
As I told you many times: convert SN accounts into lndhub accounts.
In that way many SN users could just import their lndhuib SN account into Zeus or Bluewallet app and use it as any other LN wallet.
Yes, is custodial. So what? Is just for meaningless amount. Who is keeping more than a coffee or a taxi into their custodial account is a total noob and will get what they fucking deserve.
Keep into a custodial account EXACTLY how much you want to spend in a certain time. You know better.
Please consider doing this: SN lndhub accounts and you do not have to deal anymore with wallet app and all that shit. You just pass the responsibility to the user over his own sats.