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It's not so much an SN problem as it is a generic LN problem, I think - at least for me, nowadays. Since I'm roaming, it's not really feasible to run a small box with lnd, and it's nasty to have active keys on a hosted box in a datacenter. (And yes, it's even more nasty to use someone else's banking service that has active keys on a hosted box in a DC.) I will test Zeus with NWC but I fear that at the rate lnd eats my phone battery, I'm not going to be cheering all that much.
I have thought up somewhat of a scheme using a hosted so-hot-its-burning Shockwallet combined with a somewhat cooler Zeus for offloading, to test, but I still heavily dislike both the cost and complexity. Just need to find a quiet moment to set it up and see what's what.
If we didn't want SN to support marketplaces, and didn't enjoy reading about stackers buying little things with their proceeds, I probably wouldn't have bothered doing all this noncustodial lightning stuff. I suspect it'll be worth it a few iterations from now, but you're right that CCs do most of what we need doing today.