True, that all of those add friction like I said, but all of them are compatible through LN, the layer swap is onchain to LN and there are many compatible tools for it, many LN wallets support onchain and LN, so you only need one wallet. With monero in theory, you would save in BTC, have some monero stack to spend or move to btc to save, and to spend, if people don't accept monero, you have to still swap for btc before spending.