I am not sure havin small UTXOS will ever be useful.. for what I learned it those years and most in last year of high fees transactions.. you most likely should avoid at all to have even a small amount ot utxos under 1M.. there's no cons in having only bigger ones.

The example with notes doesn't match cause you will not have a single note back of 9990$ but you will always have back just one UTXO after every transaction. Better always to consolidate smaller one in period with low fees, and batch them all together in a single one, that will have less data input for a further transaction.

Please if I am wrong and you think I am missing something explain it to me 😉