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I'm a 2. Have my own node with private channels connected over Tor to Zeus mobile app and it works well. I'm doing this to understand the tech, nerdy stuff so to say.
For zapping on nostr, I use ln.tips bot on telegram with alby. Custodial but it's working great and I trust the people operating the infrastructure behind it and they are very open. Anyway, I have no more than maybe max 100k deposited.
I also use Phoenix to be able to receive BTC and swap it to lightning. It's a great mobile app with a slick UX and you can recover from seed.
Other than that, a have wallets on legend.lnbits. Love to experiment with the extensions. Again, more nerdy stuff.