How do you run CL/EL without being a validator?

Right now I have go-ethereum running and I use the console whenever I want to send a transaction. Do I need to run Lighthouse/Prysm/etc now as well? Do I need to move my private keys to a CL client? Every guide I see seems to be about becoming a validator but I don't really care about that at the moment. I just want to know how to send eth and interact with contracts without having to rely on a third party.