That's right. I sell things using LN and I was fed up w/ Alby's %0.24 or something cut and constant nagging that I go over their limits. Worth the hassle if you're merchant perhaps, not so much as a user, perhaps, when you have convenient custodial services. It's just they need to package things in much more convenient ways. Lately Alby released their "Alby Hub", it looks a bit convenient but I'm not sure if it's recommending you channels and stuff. It has versions of hosted by Alby or self.
https://guides.getalby.com/user-guide/v/alby-account-and-browser-extension/alby-hub/getting-started