And in retrospect, it makes some sense. In order to get money from ln to on-chain, either a channel would have to get closed, or there would need to be an on-chain wallet sitting around with funds in it (as opposed to dumping all the funds into channels).
It just seems like there should be a way to solve this problem that solves this, or at least hides the complexity.
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Splicing, that’s probably why Phoenix wallet would work?
Maybe? I don't know what splicing is, but if it cooperatively moves part of the channel funds to a new address and reduces the channel size accordingly, that'd make sense.
It looks like, from a technical perspective, it is possible in a trustless way:
It turns out boltz wasn't just an altcoin swapping thing, but it also allowed trading BTC in lightning for BTC on-chain. But as someone else in this thread mentioned, they're gone.
There's reportedly software called Loop, which Loop Bitcoin service is a self-hosted thing that will solve this problem (I didn't look into the technical details, but presumably it works the same as bolz, with the hash lock).

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Lightning Payments in Practice: Sending, Receiving and Troubleshooting: lesson from the Lightning Network & Bitcoin Nodes course on Knowing Bit...
And yes, I guessed what splicing is correctly.

Splicing
A technique to add or remove funds from a Lightning channel without closing it, maintaining channel uptime and routing capabilities.