ETA starts out at %12 to open a channel?? Wth! Doesn't that defeat the purpose of using Lightning? The reason I'm using it is because I don't want to pay the inflated btc fees (thought that was the point of using Lightning, to save on transaction fees). At %12 I could just straight pay with btc. What am I missing?

I know BitMaxz has already answered your query that you have to pay the fee using LN too but I think he forgot to mention that it is one time only. You have to pay that fee one time and after that your channel will remain open and you can benefit from the low fee of LN (Lightning network). I hope BitMaxz won't mind my reply. I was just making things more clear for the OP as he/she looks frustrated with the BTC system to make transactions.
And you are right OP, I also use Mobile electrum wallet, and on the internet, most of the tutorials are only of the desktop version and if there is any video of the mobile version then it is so old and is of no help. I also searched a lot to set up a Lightning network and to be honest I still did not set up one because I rarely make transactions, maybe that's why. But I will once the congestion will decrease.
by let's say $100 worth of btc and a buy something for that 100 , and then later in the future I want to buy something else for $100 worth of btc using Lightning, I don't have to open a channel?