I'm making plans already for the cold storage so I'm fully prepped to dump the forever HODL stash away for 10 years.
Loving the sound of those lightning wallets, hopefully they can make them a lot easier to navigate but I imagine once you get set up, you are over the worst of it and the rest is plain sailing.
Agree about the exchanges, 4%-6% on BTC doesn't seem like it's worth it if the asset has been going up 200% on average each year and you have other faucets that you can use to increase your sats holdings anyway which you can then lump in to your self-custodied wallet...