Yes I believe what you are saying Matt (please correct if wrong) is; Users enjoy the UX more if I can send say, 100k sats right at once, the whole balance is paid including fees (based on route) Most of these type of swap solutions include usually* an UTXO fee, which is much more difficult to pre...

I interpreted your design as “hold funds in a custodial lightning wallet until they get big enough, then pull them on chain”. The problem with step two is now to send them back out over lightning you first have to do an on-chain transaction to set up a swap, which will be a terrible UX for payin...