Oh I agree, hence "once onboarded". For the average person there's the initial hurdle of buying and learning Bitcoin. This is not trivial.

I'm more thinking about the user experience for someone already familiar with the space. For me and you, using SN is smoother due to the reasons I outlined.

Let's be fair though: If you assume the user needs to be onboarded onto Bitcoin, we could also compare that to the fiat onboarding experience (many in the world are unbanked). I think it's also fine to compare the always-custodial fiat with custodial Lightning, which is easier than running one's own channels etc.