In my short experience I would never work with Bitcoin onchain in a custodial service. Not so on the Lightning network.

Generally people start using custodial Lightning wallets such as Wallet of Satoshi, Blink, Speed, etc. because of the ease of use, the fact that the opening of the channels is instantaneous and on other occasions because they do not have the necessary funds to open a channel, on a daily basis. Today to open a channel in Phoenix you need around 11k SATs, it is the cheapest, the 10101 wallet needs 275k SATs, Zeus takes a long time to connect and in places with low coverage there is nothing to do. But well, since in the Lightning network in general we have what we are going to use frequently, a custody wallet to start, it's not bad, although as soon as we can, at least I did it like this, I open a channel in Phoenix.

The BTC on the chain are something else. In this case, if you always self-custody, they are no longer pennies, they are larger funds. That is not the one for daily use, that is the one for large payments and collections, the one to save for the future, so when there is already an amount in the Lightning network that seems to me, according to my environment, should be in the main chain, which is where the greatest security is, the Lightning network in the trilemma has a weakness in security, unless you have your own node.

To manage BTC onchain, it would be a wallet where you can do good coin control, to manage UTXOs well, mix coins, block coins that come from a CEX where there is KYC and thus know which are the marked ones. In this case Sparrow, Electrum, Nunchuk.

And always the good practices of putting notes, where I receive from, where I send to.

And remember: my keys, my BTC