You oc has the challenge of keeping you keys safe, but you will have those challenges after settling a lightning channel anyways, so those evens out. For a channel specifically you have something unsettled. That is, there can exist multiple unpublished txs in competition with each other. We use timelocks to try to favor one tx over the other. I see it as a hare vs tortoise version of the double spend problem. If the hare sleeps or it's house burns down and it looses its TX it looses the race to the tortoise. Only when settled the Bitcoin is yours.

Also with ln you need your machinery online and so the last resort option of buy and hold for 10 years while being in a gullack camp doesn't work well with your ln node @pkt can I get an amen?