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I do not see any risk of having 20M sats in a LN channel vs a cold wallet.
The only risk is to get a force close, but that doesn't mean you will lose your sats. Not at all! You will only pay some extra fees, that's all.
It's all about perspective: what do you want to do with those sats.

If you plan to use use them, buying stuff, then the right choice is to have them ready in some LN channels.
If you do not plan to spend them soon, then yes, keep them in a cold wallet.

But keep ALL your sats in cold wallet and not being prepared to spend I think is silly. ofc you do not have to put all your sats in LN channels, but a portion of max 10% I think is reasonable. It's all about how many sats you expect to spend in the near future.

SPLITTING YOUR STASH IN 3 LEVELS IS VERY IMPORTANT!
https://i.postimg.cc/MTL2kvT0/3level-stash.jpg

Yes. It was founded by someone else late last year. I think @MEME_LORD started it but it was archived and SN just says that I am the founder based on the date it originally went live.

I discovered it.

https://m.stacker.news/56217