I used to held a bit of monero, and I tried most of its features, tried every wallet, different node UI's (pinode, simple cli, gui, feather, monerujo, mymonero, cake, etc) but I got tired of the fact that you cannot move funds unless they have 10 confirmstions, that is 30 minutes. Also I had not great experiences with some wallets (tx sent but never appeared in mempool). Many times I tried some wallets out in the street and since the txs are heavy and traffic is more intensive, I had many problems with syncing the wallet, sometimes it was like 30 minutes to sync just after 1 or 2 days of been disconected. My impression is that using monero is a very private experience, but also you need a lot of patience. That's why I prefer LN for privacy. The trade offs are too big.
For now monero is better on all points, IF you use your own node. LN privacy sucks when u receive payment because invoices leak too much data. BOLT12 could improve this ...
When u send payment privacy is okay on LN
And it all depends how u manage your channels, and the utxo they come from.