Lightning is the "debit card" of Bitcoin, it is for spending or zaping, or for stores to receive. There is another use, which is having a "bank" for your family (via LNBits). If you are just going to stack sats, it has not much utility, except if you stack very little every time so you accumulate transactions, and then convert to onchain, saving a ton of transactions.

The point of Lightning is to make Bitcoin suitable for consumers and stores. Nothing more.