I only use muun for swaps (offchain to onchain), on very specific cases (for certain range of sats). I never store anything in that app. For most amounts I use boltz or whatever alternative (fixed float, etc). For withdrawing I use 2 ways: 1 Simple one, just withdraw from the exchange onchain. They will probably charge high fees but will be fast (high priority). 2 More complex, withdraw lightning btc to one of my channels. Fast, cheap and private (I guess). In order to be able to do this I have been opening many channels since the last year and have been leaving most of them almost empty on my side, so I have a fair amount of inbound liquidity. Then When I want to send funds to my HW onchain, I swap them in. Try to never close channels because IMHO live channels are kind of an asset itself for the future.