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You can't stack on lightning and then swap to the base chain and have a large utxo?

Not without inbound liquidity. With Liquid you can just receive some btc to your liquid wallet and you're good to go. With lightning you need channels with inbound liquidity.

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Sure, forgot about that. However, on custodial wallets that's a non issue, and now on Phoenix 1Msats inbound liquidity sets you back $1 for a year.

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Definitely an option. Haven't used Phoenix's liquidity ad thing yet.

It's just a tool in the toolbox
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$10, forgot a zero heh

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