You can check L2beat for risk analysis of each l2. I mainly use orbitor and hop to get between each one. You can use something like across to go from mainnet to an l2 and it might be cheaper than an official bridge but you would have to price check. You can also go from mainnet->Cex->an L2. I like arbitrum the most but I would play around with the new ones as well in case of an airdrop. Each one could mean thousands of dollars like when arbitrum airdropped. I also don’t keep much money on L2s in case one explodes which almost happened to optimism. Have an amount where you wouldn’t be too sad if it was all gone.

Lido has too much market share and is bad for ethereum if it continues. You can hold rETH if you don’t want to run hardware or mint the new osETH from stakewise v3. Both of these options are decentralized and permissionless and have under 22% marketshare so they don’t harm the network. You can still leave it in coinbase and it’s not the worst option. There is also nothing wrong with just holding eth without staking it.