You can also stack on lightning with exchange like Shakepay that have no fee. Phoenix or wallet of Satoshi. i will be testing Phoenix soon WOS is good fast with 0.5 few from on chain BTC. but it is custodial. I had to wait weeks for an on chain transaction stayed up late to check the fee go down hehehe.

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You’re probably not saying this, but I wouldn’t suggest keeping your stack on lightning. On chain is the safest for long term hodling. I will however, say that short term stacking using lightning is great. What I mean is: • DCA using RoboSats to your lightning wallet • once the balance gets big enough for a fat UTXO, move it to your on chain cold storage