Yeah, I hold at most a few thousand sats, never held a dangerously large amount of bitcoin. I do think that Spark/Liquid/Cashu is better than keeping your funds at an exchange but the gold standard for bulk storage will still be onchain bitcoin on a hardware wallet.

It may be that it is a trade off you are willing to make. My point is mostly that where I once was on the fence about the nature of such tokens, I now see them as clearly custodial. Custodial services can serve a purpose, though.

Scoresby

I don’t know which network is worse, Liquid or Spark. I personally use Blitz Wallet which runs on Spark.