In the beginning of my journey into Lightning people often said that Lightning will be the every day money for buying a coffee in the morning and Onchain for big important transactions like big business transactions or buying a house or maybe even a car
However, I don't think this makes sense anymore. There is no reason to do anything Onchain because one can do anything on Lightning (besides channel opening/closing).
There is no reason the ECB and BOJ exchanging tonnes of Gold shouldn't be settled on a Lightning node. (Hypothetical example for "big transaction" - think of something else big if you don't like this example).
I say: All Lightning everything.