The chart is wrong, it says Ark-without-covenants requires running a server 24/7. It doesn't. Ark-without-covenants only requires being online in two circumstances: (1) when you want to send money (2) about every two weeks (similar to lightning).

The chart is similarly wrong about lightning. Anyone with Phoenix or Zeus wallet on their phone knows you don't need to run a 24/7 server to use lightning.