Adding to question number 1 - when and how do you think is best to turn LN sats into on chain sats?
If you are 'saving' in BTC (that meaning not spending or moving around), best to keep it on chain.
I see LN as an easy way to spend without the large fees. Buying coffee, a meal, small donations or items under $200 are what I personally use LN for.
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Yes I am asking about the other side of it - if you get paid with lightining you want to keep at least some of it in cold storage. Never moved from off chain to on chain before...
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