Depends how much you have, rich people need smaller amounts of their wealth readily available for their life's expenses. if you have 10 million dollars of bitcoin, having more than $1,000 on LN is excessive IMO, and so your ratio would be 99.99 % on, .01% off chain

But in general...

Keeping it off chain is best, and the colder the better

So most in a onchain cold wallet you access once a year: 75%

Then a "warm" onchain wallet you access once a month 20%

Then a hot onchain wallet you access once a week 4% this is where you switch it to your...

Every day offchain wallet 1%

It's now about 1 dollar or less to move it off chain, I guess if that doubles or triples, doing that once a month could save some sats.