Thanks for some more actionable, achievable advice.

How would you treat accounts for services, utilities etc. Clearly (I think) not under Core Identity. But also they feel more permanent than the decoys. Do you treat it as a work alias (house work alias)? Thanks

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You mean like power bill, water, etc? They go under core. Unless you have a strange setup they are already under your real name. See my other article on setting up identities to see the method behind the madness. It was posted yesterday or the day before.

Ah yes, I see you defined these as 'tied to real world' obligations. I'd mentally upgraded Core Id to Banks, Government, Legal & Medical, sort of tier-1 accounts. Mental drift corrected, it's on the to do list (after presents for young relatives!).