My minimum is 1m sats per utxo. I withdraw at that stage from exchange. I do also consolidate at times to have some bigger utxos that if I ever needed spend that the percentage fee is even less. Also, my gf stacks smaller amounts and we put some spare change in also so it’s good practice.

I think of it as having 500, 200, 100, 50 notes in a drawer at home. Fewer 500 and more 50 notes