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electrum wallet would be great for this ( less the usdt part). you could have wallets for each use ( savings, spending, etc) and within each wallet you can create lightning channels for spending if situation calls for 'em
awesome thanks for the advice. Was also thinking of using my on-chain wallet on my lightning node for it too but keeping my options open and seeing what others had to say about it.
There is also a saying to never spend your bitcoin but to me it's money and spending a very small portion of a stack that i earn for travel (best joys of life) is worth it to me. No fancy cars or clothing, but mingling with the locals in India, Mexico, or Africa is priceless.