What is the Bitfinex experience like? I find Kraken's implementation to be rather clunky.

With Kraken you must approve an address via email before withdrawing to it. For on-chain this is OK as an address can be reused and lasts indefinitely (poor privacy aside). But with LN invoices this is very cumbersome due to their one-time-use and expiration time. You need to flip back and forth between creating an invoice and approving email confirmations every time you want to withdraw.