Very little. That's the great thing about lightning, you can participate in the bitcoin circular economy without making a big dent to your hodl stack. You can easily stack 100k sats a year from all the "free" sats offers. Then you can use those sat with lightning to make it rain.
living in jurisdiction where crypto is banned but there is a big p2p community. so I cant do much with LN .... however I use LN for orange-pilling during my workshops
I would feel uneasy with 20% considering most lightning wallets and solutions are custodial (for practical reasons). But as the ecosystem matures, I guess we'll all have a bigger percentage in LN, specially if it's possible to acquire other type of products and services.