Well yea that's correct, you'd ideally need enough BTC as big as your channel size, and that's monetary wall/requirement. I already keep some BTC and I work in tandem w/ a CEX to open channels and move the lightning sats back to my CEX to retrieve the amount to HODL personally, and I understand that's not something everybody do/prefer. And I receive payment in lighting and sell things, not sure I'd go through all of it just as a hobby w/o that given the requirement of learning all that and channel opening fees (although they're much cheaper than I thought they'd be in right mempool environment).