What's the "meta" like to find payment channels? That's the thing I found weirdest with LN, I needed to find a channel with enough funding. I presume the custodial LN providers just have their own payment channels?

There is a sweet spot between custodial and self-custodial wallets: "non-custodial" wallets like Phoenix Wallet or Electrum. You keys, your coins - but expect higher fees (which are still way less than CC providers or other payment processors). No need to manage channels yourself.

Interesting, they manage channels for you and charge some fees? Makes sense, I'm not averse to paying for convenience.