1. Bitcoin meetups, the bar we go to accepts bitcoin.
2. Phoenix wallet, it's fast and simple
3. I do, I want only the best. If you want a lightning address, I'd recommend Zeus, it's also self custodial but the app is slow to start, making it not so great for on the move spending. The lightning address (which we use to accept zaps) is the only benefit to a custodial wallet imo, and @ZEUS is bringing it to non-custodial wallets now.
I do use a custodial wallet for zaps today, but I do keep an eye out for non-custodial solutions always.
I agree with your point about custodial wallets and lightning address.
3 will get better in time