I had to do some research first, but from what I've found you are setting yourself up for some very costly transactions when you do finally want to access your piggy bank.

Each transaction you receive creates a separate UTXO (unspent transaction output), and each one of those costs additional miner fees to spend later. If all your UTXOs are for 100k sats, and you want to send a 1m sat transaction, it will take 10 of your UTXOs to combine into that one transaction and will cost 10x the miner fee to do so.

At the current fee levels it could cost you almost $2 per UTXO to send your Bitcoin anywhere. Since you have so many small UTXOs that will add up quickly. In 10 years miner fees are likely to be much higher too.

What you should do is send your entire balance to a new address at the lowest miner fee you can get to combine all the UTXOs into one. Then save up your DCA in the app for a month or two before withdrawing so each withdrawal is a larger UTXO. This will save you a ton on miner fees later.

If you need any help or have more questions post about it here publicly and I'm sure people will be happy to help. Don't talk to anyone trying to help you with this that messages you privately.