onchain or LN depends on the value of the tx. but in a normal situation let's say its LN, my order now is 1)Spark 2)Custodial 3)own.
1)because it's convinient, also has onchain and have some control over funds 2) convenience for small amounts it's ok. 3)Phoenix mostly, it's almost as good as 1 or 2 but you still have to manage liquidity, be online to receive, and in high fees already had some problems depositing via onchain.