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Yup. Transfer to cold storage, transfer to my kiddos (in lieu of allowance) is pretty much all I use onchain for. My oldest has a zebedee wallet, so lately I am also using lightning as well to give him little tips 100 sats, 1000 sats etc for being helpful around the house.
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Same. I avoid on chain BTC like the fucking plague. Too volatile, and I don't have time to wait an unknown amount of time for confirmation either.
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Same here. I really only use on chain for transferring my sats to cold storage. Everything else is LN.