if incoming payment overflow the free space that you currently have in your LN channel - it will create a new channel and that's why it will cost you at least 3k sat fee, unless you have switched off automatic on-the fly channel creation
For example I have 800ksat channel, filled in 50% - so I'm ready to send or receive up to 400ksat (without additional 3ksat fee), and it was sufficient for me so far...
And what if I don't have enough inbound liquidity and I disabled on-the-fly channel creation? Would I be unable to receive payments?
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of course you can activate on-the-fly channel creation, in such case my suggestion is to activate it rather "on-demand" but if you don't care about sudden 3k sat fee - keep it activated
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