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Yeah, so on-chain is the smart option for large sums, because liquidity is not huge on lightning, so it's like the savings account, and to save transaction fees, a small spend-budget in the lightning option, like a current account, thank you.
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It's a little complicated technically it's all UTXOs attached to a public key, your lightning balance however, is a UTXO locked in the lightning network so it can interact with that environment
So your on-chain balance and your lightning balance are separate.
You would keep your lightning balance separate because you plan to do micropayments or use lightning apps like Stacker news, your on-chain balance would really be for hodling, large payments where Lightning doesn't have the liquidity to match it or you want a final settlement confirmation that the base chai offers
If you don't know how to create channels or don't want to bother, you can always use a submarine swap service, so you send BTC on LN and get onchain BTC in return and vice versa.
I don't use blue wallet so I can't speak directly to the UX and set up of that walelt.
I hope that helps