Yes, on-chain is the goal. Though I included CoinOS in my short list - I thought it had on-chain features, turns out it doesn't.
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depends on how much BTC you have. anyway, my advice is to used sparrow or electrum on personal PC or laptop. if you have a lot of BTC buy HW wallet, e.g. trezor 3 safe. On mobile you can use bluewallet in read-only mode, that way you can only receive btc when you buying at ATM or from VEXL. For sending and UTXO management use only PC.
If you want to pay for some day-to-day things then use LN, phoenix is good one.
that guide from @DarthCoin is very good, but if you have questions, just ask here
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