onchain wallet = your vault, your central bank, you do not move them too often LN wallet = your spending pocket, your "commercial" bank, small amounts

Learn to use the 3 levels of stash: HODL, cache, spend

As I explained in this guide https://darthcoin.substack.com/p/bitcoin-be-your-own-bank-think-like

...and read all my other guides - will save your life.