Listening to @Jameson Lopp on WBD with @Danny Knowles I don’t think there is enough conversation about OP_VAULT and the easy security upgrades this would provide plebs and businesses alike. The conversation has mostly steered towards scaling with covenants, but security may be more important in the short term. I could be wrong but OP_VAULT/OP_UNVAULT by itself seems fairly straight forward and less “risky” compared to other covenant soft forks.
Cashu wallets are pretty awesome especially for new users who want a fairly easy experience. Yes, they are custodial, but at least you get good privacy trade offs compared to custodial lightning only wallets. Just don’t keep too many sats with the mint and you’re probably fine.