You could and should use self-custody. That way you don't give anybody your info. Best setup- use Zeus with your own node. Its easy to setup with @Umbrel ☂️ or @Start9
It depends how you use lightning. I spend from my own node with channels to bfx. Its almost always few sats as a comission. If you are a merchant and need liquidity you have to pay (somebody provides it and takes around 0.5% as Boltz).