Most of them are on testnet to give the glimpse of Lightning. So you would not need to worry about your coins for now.

When on mainnet, I believe there are 2 things which we need to keep in mind while using:

1. Open-sourced/ Not open-sourced.
2. Above that, with some of the wallet (Thin Wallet, Zap iOS closed beta currently) you can actually maintain your own lightning node and these apps would help just interact with the node.

Not enough but good start.