So, like @Scoresby suggested, perhaps transferring via Lightening using Boltz, then transferring off Boltz, on-chain.

I think that's where you're confused: It's not two transfers that require your interaction. A swap out is a single transaction as far as you can be concerned. You enter a bitcoin address and then you will be presented a lightning invoice. When you pay this lightning invoice, you will pay via lightning but you will receive sats into the onchain address you entered since they send a part of their sats that are already onchain to you.

I would recommend going to https://boltz.exchange/ and trying it out. You don't have to actually pay the lightning invoice at the end to see how the flow is.

I actually think for the mostly receive use case phoenix is great.

I guess it also depends a little on how big the transactions you receive generally are.

I sell posters and t-shirts and stuff, so not huge transactions.

For my case it is cheaper than wallet of satosji because they nailed me with fees every time I transferred out to my cold storage.

Also, I'm in the states and they shut off service pretty quickly here, so you never can count on it.

Phoenix with a big channel to start and boltz out yo your cold storage when fees are low works pretty well for me.