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It's literally the same you were already doing with fiat.
  1. keep the bulk in cold storage (savings account/bank)
  2. Keep A convenient, but save amount in LN channels (spending/receiving account/ bank)
  3. keep a minimal amount in Custodial/hot wallet for ultimate convenience (cash)
The actual split would depend on both your stack and your spending habits:
If you're super rich but spend a little: 95/4/1
if you're super poor but spend a lot: 50/40/10