It's interesting and probably laudable that your reason for not running a LN node is that you don't understand LN - which itself is completely understandable, as it's a very tricky set of concepts to patch together - arguably even more so than "the blockchain".

It's not that bad. What I have on my LN is a very small fraction of my sats, similar to what I would put on a phone wallet. And I don't trust the latter further than I could throw it.