Yes, that's right. According to this guide Electrum shows you the available capacity to receive funds. I'm using Coinos and it seems there is no clue about that value.
I don't know coinos. I use Aqua for lightning.
Lightning is still confused in my opinion.
There are some easy to use implementations such as Aqua and Phoenix, but I wouldn't risk a lot of money in any of those.
Wallets implementations are very different from each other and each of them has a different UI... easy to make a mistake imo.