Every time that comes up people just say "don't keep much money in these wallets" and my question is where do you keep your funds for lightning then? I love having a lightning that I just connect to everything instead have 1000 sats all over the place.

As a wallet crash tester, I tend to have balances on a bunch of them, but for your average user, generally 1-2 wallets should be enough. I usually recommend Phoenix for people just getting started, with the caveat that they don’t get a Lightning address, so they’ll need a different wallet for receiving Nostr zaps, and also a reminder to check their wallet balance often in case they end up with a closed channel.