Is XLM cheap to transfer?

Could you please elaborate on whether Stellar Lumens (XLM) is considered inexpensive for transactions? I'm particularly interested in understanding its cost-effectiveness compared to other cryptocurrencies in terms of transfer fees and overall scalability. Also, are there any specific factors that might influence its transfer costs, such as transaction volume or network congestion? I'm seeking a comprehensive yet concise answer to this question to aid in my financial decision-making.