Yes, if you dedicate your time, effort and money into public routing, then you would end up having more % in your LN node than in cold storage. You must be aware and keep a balance anyways. Not that you can get a crashed node, that's not a real problem, funds can be recovered anyways. The problem is that you could end up with stuck liquidity that is not "producing" anymore income.

Is yes and no... Depends how you manage that liquidity. You can have also very good income from fees with lower liquidity, but enough to offer proper routing. If you can replace quickly depleted channels than you don't need hundreds of BTC in a LN node.